Yes indeed. We do want some form of safeguard, insurance is just one way. To be fair I argued strongly it dosent work for me, being said that dosent mean dosent apply to everyone.

A poor shield is better than none. But if I don't have to start a fight that's the best. That's why I intend to say.

Not buying up the whole armory and arsenal hoping someone to hit me in the face.

With my analogy, I'm just the guy who maintain good diplomacy with ppl and not putting myself to get punched in the face by being a dick.