Needed insurance fast and now I have no insurance and the money for it on hold. Now so I can't even try to get insurance else where because there is no telling how long it will take for them to send me my insurance information. If you are going to have an app that allows people to shop and pay for something 24 hours a day, then you should be able to provide them with what they paid for accordingly. When you skimp on payroll and screw over potential customers I doubt you'll last long.