I would rather be told that if I left my home and got in a jam in the cold weather that I was on my own than be told that I could not go out. I would rather be told that if my home was destroyed by a flood or tornado and it was unsafe to enter that I was on my own than to be told that I could not salvage what was left. I would rather use my own judgement to determine my own destiny than to have someone with no investment determine it for me.