Glenn Bitch and Fat Grey.

[Goat Blower]

This is run like an insurance deal. A lot of people pay in a small amount so that when a few need it, it's taken care of. The alternative would be to only charge those that need it after the fact, but that cost could easily be $1000, and I guarantee this Cranick guy wouldn't pay that either. He was adequately warned just as I thought, this was no surprise.