Yeah, I totally get what you're saying about the complexity just shifting around. I've always wondered—doesn't the no-fault system sometimes make it h...

Yeah, I totally get that awkwardness. I've never directly asked for discounts either, but one time at my regular sandwich place, I jokingly said somet...

Really solid points here, especially about checking exactly what you're getting. I learned this the hard way a few years back—went for the cheapest po...