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2-17-2009 @ 4:28PM
Why the heck are people so confused about insurance?That is what their original business model was, nothing more than insurance.You people can buy auto insurance or fire insurance and you're not confused by their "business" model but someone offers a "wow servers will be up" insurance and suddenly you're all confused or think there is a scam running?Their new model is essentially the same thing. You participate in their website, if your server is down you have a chance at winning some random prize. They just removed the money changing hands to help remove the apparently stigma of players who can't recognize an insurance scheme when they see one.Its compensation for your lost wow time. If my house flooded and I made the claim on my flood insurance no one would be confused.
2-17-2009 @ 5:37PM
Why the confusion about this "insurance" ? I'll spell it out:The purpose of insurance is, in a nutshell, to minimize the disruption to your life in the event of some kind of catastrophe, financial or otherwise. So, when you buy flood insurance, what you're paying for is for some company to be ready to foot the bill to pump water out of your house, repair water damage (or build a new house, in extreme cases), replace lost valuables, etc. When you buy car insurance, you're paying a company to be ready to foot the bill to repair / replace your car (and the other driver's car, if you're at fault), provide you with a rental car to use in the meantime, and so forth. In other words, you're paying into a company that will, at various times, pay money back to a minority of its customers to replace lost goods and foot expenses to minimize disruption (hotel costs, rental cars, etc, as above). Okay, so in the case of WoW insurance, you're paying for. . . what? If you paid $5 a month to a company to "insure" you, they will guarantee that. . . no, wait, they can't. They don't own the servers, they have no connection to Blizzard. So, they can't actually guarantee that the servers will be up, or that the game will still even exist tomorrow. If your server goes down, then they cannot get Blizzard to credit your account for the downtime, because they have no connection to Blizzard. So, what are they gonna do? Give you a pat on the back and pay you a day's worth of subscription fees? A month? How could they have ever hoped to do that and still make money? Chances are, they'd pay you so little that you'd find you'd spend $60 / year on "insurance" and probably only get $12-24 back. What possible benefit could that be to the consumer? Do you actually expect that even one subscriber would EVER get more than his yearly fee back in a year? Personally, the times that I've had to "go do something else" instead of playing WoW because "ZOMG MAH SERVER IS DOWN" have been few and far in between. That's over a three-year period, playing at least for an hour almost every day. If they gave me even $50 every time I was completely unable to play for an entire day, I'd have. . . nothing. A delay for a couple hours? Sure. A delay for so long that I felt cheated by Blizz? Never. Say what you will, Blizz is pretty darn reliable when it comes to their servers. QQ OMG. Besides, I actually have a LIFE outside of WoW. So, if WoW really went down for a week or whatever, I wouldn't get bored, and I doubt most other people would either.Now, it's turned into a free website, where you register for fabulous prizes if your server is down for a long-time. *Yawn.* Why don't I just go out and register a domain so I can create an ad-supported website where I award fabulous prizes based on how many "bad hair days" people have?So, tell me again: How was this supposed to be a legit insurance scheme?
2-17-2009 @ 5:41PM
"The purpose of insurance is, in a nutshell, to minimize the disruption to your life in the event of some kind of catastrophe, financial or otherwise."Here let me fix it for you.The purpose of insurance is, in a nutshell, to scam you out of money in your life in the un-likly event of some kind of catastrophe, financial or otherwise.If you take all the money you pay in health, car, and life insurance. Buy CDs and make sound investments you could cover your damages and still have money left over.
2-17-2009 @ 7:37PM
Yes, and the flood insurance company has control over the weather to prevent the flooding?Its an insurance scheme, nothing more. Insurance exists precisely as a loss spreading scheme to protect against things we have no control over as well as things we do have control over.Your distinction that somehow this is special because Blizzard controls the server is a distinction without a difference. Insurance isn't a scam. You might not like it and you may resent being forced to buy into the system but the system itself isn't a scam in and of itself. Its nothing more than loss spreading.
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