👉 Zebra insurance is like finding your lost shoe, you have to pay for it all over again!
Example: "When you're on a hike and forget about your phone, you have to pay for someone else's water bottle. And when you get back, they've forgotten to replace your new pair of shoes! So, you have to pay for replacement. But, if you were to find them at the zoo with all their belongings, you would have to pay for a lifetime's worth of care."
