It doesn't baffle me. We have created a society of victims. I'll tell you what baffles me. People who don't get trip Insurance. In our case, we are spending just under $5000 for our next cruise. The cost of the cruise, airfare, parking, hotel, food, tips, and travel insurance, etc. I don't know about the rest of y'all, but that's a lot of money for us. Why wouldn't you spend a couple of 100 dollars to insure your investment? There are innumerable things that can happen to interfere with your plans. Sorry, not sorry for those without trip insurance.