So essentially...its just gambling..from a user's perspective, the only reason you would do this is to "hope" that you get injured and you make some money off of it...wow what a stupid idea....


Fix'd for you
How is it different from normal insurance? Yes, you are not in danger of losing a leg or anything, but if people want to be sure to at least get -some- compensation for what they lose, then let them. Do you think that you get more money from your insurance company when you get injured, than what you have paid them over the years?

Well, thats insurance for you. Of course its way different than lets say health insurance but still works the same (depending on country tho). You get car insurance and pay for it, but get basically nothing until car gets wasted.

I can understand the feeling tho. Its game, why would people get insurance for..games. Blizzard isnt some newbie to business.
Last time there was such lag, fullness, crashes was at patch 3.0 and world event. But we got 3 days from it. Before that? I dont know, didnt even play before it for year. But its pretty damn rare. Plus im always away on maintance.

This is not insurance, it is straight up gambling. With this setup, you pay out money every month, betting that your server will be either down or full, with odds stacked in the company's favor.

Proper insurance isn't about making money off of something that inconveniences you. It's about ensuring that you can recover from a potentially very harmful circumstance. Car insurance doesn't get you a boat-load of money for getting drunk and running into someone. It uses your money to pay for the repairs and hospital bills of the people you injured. Health insurance isn't to get you rich off of breaking a leg, but to help pay for the hospital bills and physical therapy that follows.

Server downtime does not involve loss, except in some minimal, barely inconvenient way. It is not in any way going to threaten your well being or finances (unless you are a gold farmer, of course). All it does is temporarily block your ability to be entertained in one minor way. This is not something that insurance covers.

Please, before making such comparisons, think about what you are posting, Tumleren.