No, I have not received payments from the insurance industry. (Not even holiday candy, such is the pity.) Bear with me on this one. First, a basketball story.
By NBA rules, a player must leave the game after committing six fouls. This does not often occur. So far during this year’s playoffs, only six of 320 starters have accumulated six fouls. That 2% failure rate overstates the danger, because it is inflated by the most aggressive players. Those who are more careful face little risk. For example, in 1,205 career games, Hall of Famer Wilt Chamberlain never fouled out.