That argument is sort of like saying "Only upper class people with Ivy League educations should ever start a business." Even in the startup world, businesses tend to learn a fair amount of what not to do by tripping over some issue they didn't expect.
I'm all for analyzing what went wrong for purposes of trying to help educate people about how to do things better, but I am extremely uncomfortable with the trend in comments here to more or less act like "This guy just should have known better and not trusted Amazon."
I worked in insurance for a few years. Most ordinary people have almost zero understanding of how insurance works, what it's for, etc. Most people are not making informed consumer choices about insurance. They mostly get what the law compels them to get or what some professional recommends to them, etc.
