I&#x27;ll note that the article doesn&#x27;t have a giant box for the combined value of all insurance policies, maybe because it&#x27;s obvious that having $100,000 liability policy for your car insurance doesn&#x27;t sound technical and scary like &quot;derivative.&quot;<p>What blows my mind is that it seems like <i>everyone</i> in the media has taken this obviously incorrect premise and run with it.