i can agree with this but im not sure id agree with whats majors and minors but no biggie
2.) i agree but this would be true for many people and many things, you could be one of the people that git instantly addicted to a pain killer? or a 100 other things.
in the case of insurance i just think its best to be pretty inclusive, i think its safer and overall more efficient as far as make sure people are covered and they can afford it.