<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>ridgeguy</author><text>Your insurance coverage can vanish in a moment. A current anecdote..&lt;p&gt;I live in a neighborhood of ~80 small lots&amp;#x2F;homes a few miles west of Palo Alto. Since Oct.1, nine of our neighbors have had their fire insurance policies terminated immediately on receipt of the mailed notices. Most of the nine had their policies in place for &amp;gt;15 years. Not like they were dodging the need for insurance.&lt;p&gt;Gofundme has its uses. I hope it brings at lease a small measure of ease to the Godbout family.</text><parent_chain><item><author>joering2</author><text>My heart goes out to them but I hate seeing Gofundme campaigns used for such purposes. All the time I see campaigns to cover someones medical bills or accident costs. No, we have insurance for that! What happened in California was a natural disaster and will be covered by what every home owner in Cali is forced to pay out every month in mandatory tax for such cathaclism. We as a society will be in very dengerous spot when people start ignoring obtaining reasonable insurance and just hope for successful Gofoundme campaign when things go south.</text></item><item><author>peepopeep</author><text>Family lost everything they own in the fire. Here is their Gofundme campaign: &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.gofundme.com&amp;#x2F;godbouttuckcampfirerelieffund&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.gofundme.com&amp;#x2F;godbouttuckcampfirerelieffund&lt;/a&gt;</text></item></parent_chain></comment><story><title>Bill Godbout, a legend in the S-100 community, died in the Camp wildfire</title><url>http://vcfed.org/wp/2018/11/13/r-i-p-bill-godbout-79/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>walrus01</author><text>from the perspective of a person that lives in a country with a single-payer healthcare system, that covers pretty much everybody, it is amazing to see Americans use GoFundMe for medical bills.&lt;p&gt;The fact that you can become completely bankrupt by getting cancer or any other &amp;quot;expensive&amp;quot; ailment is just... Ridiculous.&lt;p&gt;GoFundMe is a symptom of a much larger problem, not the problem itself.</text><parent_chain><item><author>joering2</author><text>My heart goes out to them but I hate seeing Gofundme campaigns used for such purposes. All the time I see campaigns to cover someones medical bills or accident costs. No, we have insurance for that! What happened in California was a natural disaster and will be covered by what every home owner in Cali is forced to pay out every month in mandatory tax for such cathaclism. We as a society will be in very dengerous spot when people start ignoring obtaining reasonable insurance and just hope for successful Gofoundme campaign when things go south.</text></item><item><author>peepopeep</author><text>Family lost everything they own in the fire. Here is their Gofundme campaign: &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.gofundme.com&amp;#x2F;godbouttuckcampfirerelieffund&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.gofundme.com&amp;#x2F;godbouttuckcampfirerelieffund&lt;/a&gt;</text></item></parent_chain></comment><story><title>Bill Godbout, a legend in the S-100 community, died in the Camp wildfire</title><url>http://vcfed.org/wp/2018/11/13/r-i-p-bill-godbout-79/</url></story>