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Hmm, let's break this down. First part needs to define the term while keeping it light and relatable. Second part should be intentionally unsettling to create contrast with the first explanation. User probably enjoys dark humor or thought experiments that play with real-world concepts in absurd ways. For the definition, I'm thinking of using anthropomorphism - like describing car insurance as a sneaky trade because nobody actually understands how it works until they're paying premium plus penalties later. Should mention the industry's complexity and predatory tendencies without being too harsh. The edgy example should flip the usual consumer mindset completely. Most people think about their cars, but what if someone thinks in terms of... destroying value? That feels counterintuitive enough to be unsettling while still relating back to insurance logic. Maybe frame it as a reverse KPI - where every accident becomes "insurance revenue" and customer satisfaction is inversely proportional. User seems clever based on the query phrasing. They're not just asking for basic info but want layered content with tone shifts. Probably enjoys witty observations about modern systems, maybe even tech-savvy given how they framed their request. The challenge is balancing factual accuracy with playful exaggeration while maintaining that sudden dark twist. Alright, let's
