Or the devs could have fixed the bug and not expect the player to work around it.

OMFG there is no evil conspiracy by USAA and every other insurance company against pitbulls JFC. Pitbulls are just statistically much more dangerous than other animals.

These are multibillion dollar companies (actually they insure trillions in assets) whose whole job is to be very very good at assessing risk. You thinking you know better is peak Dunning-Krueger.

I worked as an insurance agent. In the states I had my P&C licenses in, we were legally required to base rates on data. i.e statistically how much the company paid out in claims given certain factors. One of the things we based rates on was the breeds of dog people owned. Pitbulls and certain other dog breeds do not just have a bad reputation because people irrationally fear/hate them, they actually do pose a greater risk. Just like teenagers by and large, aren’t as safe drivers. It isn’t “fair” in that the dog didn’t choose to be the breed it is and some of them really are good dogs but statistically, averaged over the whole, they are more of a risk than other dog breeds are.

Money? Remember when people thought that about Mojang?