Which of the following is NOT the reason given in the passage for people to avoid discussi

Which of the following is NOT the reason given in the passage for people to avoid discussing insurance？

A．Insurance is expensive.

B．Insurance is not a simple subject.

C．People can actually be spared from unhappy events.

D．People are living in a dangerous world.

请帮忙给出正确答案和分析，谢谢！