Was thinking the same, except was going to say he probably just can afford whatever it's gonna cost him.
"I'm going to go with Occam's Razor on this and say that he IS covered on all
of the mechanics you've listed and that the story does not have holes in it."
More hedged and Occamey than yours. LOL. Then i wandered and instead called Vietnam
to chat to a young friend who has just lost her father. 80 mins +++ later back to this.
It was Plato who said, “He, O men, is the wisest, who like Socrates, knows that his wisdom is in truth worth nothing”