Also just the timing. Most large enterprises try to avoid adopting anything new until SP1 anyway, unless they absolutely need the new functionality. Waiting for Windows 8 SP1 would make the upgrade project deadlines much too tight, at least for geographically diverse enterprises.

Several reasons:

• Economies of scale do win out for tape once you start hitting hundreds of TBs.
• Tapes are easy to move offsite.
• Tapes don't consume any power when not in use.
• Tapes are much more resilient than hard drives against environmental factors (mechanical, temperature etc.)

The last point in particular is why you don't see HDD robots: all that handling would skyrocket the hard drives' failure rate.

The thing is though, physical fraud requires more resources and conspirators, and is thus more likely to be discovered than electronic fraud.

At least politicians in the US are actually elected, unlike the European Commission.

I dunno, I think Hanlon's may be the more applicable razor here.

Apatheism can be a useful neologism to describe this state.

The problem with talent trees is that, counter perhaps to intuition, more talents mean less real choice. The more talents there are, the closer to impossible it becomes to balance them, especially when inter-talent synergies come into play. That leads directly to cookie cutter builds, where most of the choice is illusory, and you're only really distributing 2-3 points between situational/flavor talents. With a sharp reduction in talents, Blizzard has a chance to make each tier an actual meaningful choice. Worst case, they won't be able to balance it out, and we'll be back to cookie cutter builds. But at least then there'll be fewer points to copy off Elitist Jerks.

You're forgetting one scenario where it also makes sense, and which applies especially to travel insurance: insurance can be subsidized by e.g. credit card companies.