Context: But do n't be penny wise and pound foolish like my Dad ! You know , my Dad insured his house - nothing has happened to it , but he still has the insurance ( statistics show that your chances of a house fire is 5 in 1,000 ) . He paid for car insurance - never had to use it , ( statistics show that your chances of your car being stolen is 10 in 1,000 ) but he is still paying for it .

Question: Why would the man be paying for something he has n't had to use ?
Options:
0. He 's wasteful with money .
1. That 's how insurance works .
2. That 's how a car payment works .
3. He 's forgetful .
Answer: 1

Question: Why would the man be paying for something he has n't had to use ?
Options:
0. He 's wasteful with money .
1. That 's how a car payment works .
2. He 's forgetful .
3. He 's paying for insurance if something does happen .
Answer: 3