Here's a simple question. It's not a trick. If you owned a goose that laid golden eggs, would you insure the eggs or the goose? If you said the goose, then you're obviously an intelligent thinker who understands the future value of an asset. If you said the eggs, however, you're actually in the vast majority of people. Most people answer the question by saying the goose, but in the real world, people are insuring their eggs and not the goose.
