In other words, you agree completely. Grandparent never said that following the pragmatic path in this case would be morally defensible and almost certainly believes that it wouldn&#x27;t be (except in the sense that the human capacity for rationalization is nearly infinite and so a person stuck in the situation would likely manage to convince themselves otherwise). I get the sense that the grandparent post was complaining that by allowing insurance companies to exclude events like this we&#x27;ve created a terrible moral hazard.