Hourly pay rewards presence, salary rewards availability, and paying by the job rewards speed. Owners writing rules to correct behavior are usually correcting their own incentive.
Most families use all four and rarely decide the proportions on purpose. The order they are drawn on changes the total cost of the degree considerably.
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
A household can spend a great deal on digital security and get very little, or spend almost nothing and close the paths that are actually used against people.