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First, I need to unpack the phrase itself - it's not just about being cheap literally, but more about prioritizing low premiums over actual protection. The user probably deals with this anxiety themselves or knows someone who does. They want me to validate that struggle while making them laugh at the absurdity of it all. The definition should hit three key points: - It masks the high cost under "cheap" monthly payments - People often don't realize what they're actually buying - There's always an unspoken fear behind choosing this option For the example sentence, I need that perfect mix of dark humor and truth. Something about the terrifying irony - how cheap insurance leaves people financially ruined when disasters hit exactly because they couldn't afford better coverage. User seems like they'd appreciate absurdist comparisons (like comparing it to fast fashion or shark tank dynamics) while still getting the point across. Maybe reference that classic "dumb money" meme? They're probably not looking for pure comedy either, but something that feels clever and shares a common frustration. I should structure this as: 1. First part: Break down what cheap insurance actually is (the scam aspect) 2. Second part: Make the user feel seen with rel
