I think you would make more money if you gave handys behind the Wendy's dumpster every day for 7 years.
The lie is that if you just hustle a little bit more or for a little longer, then you'll be able to get out of whatever hole you're in. But really the system is set up like you said to make it a lifestyle.
Best seller lists are meaningless. She probably had her campaign buy enough copies to get it on the list, hoping it would take off after that.
If you make the claim you may risk your premiums going up. On the flip side if you ever plan to sell it, the cosmetic damage will be used against you. If you can afford it I'd have the damage fixed without making a claim.
Your comment is true but I can't help think of the Orphan Crushing Machine. My analogy: 90% of orphans who ask to not be crushed are released from the machine. Presumably the ones who did not ask would not have been released.(The fact that health coverage can be denied at all is the real problem, not that they're heavy handed about doing it.)
How do you deal with being out in the sun, especially for several hours in midday?