The insurance thing is something people end up learning on their own, but it's wrong to just throw people at it and expect them to take it. You are actually saying it's someone's fault for being ignorant about something they have had essentially no opportunity to learn 'the right way'. More importantly, you're (and yes, I'm going there) flat out under the Dunning-Kruger effect. That is to say you are so skilled at something that you cannot empathize with someone else and you expect them to be as good or knowledgeable as you.
The Dunning–Kruger effect is a cognitive bias wherein unskilled individuals suffer from illusory superiority, mistakenly rating their ability much higher than is accurate. This bias is attributed to a metacognitive inability of the unskilled to recognize their ineptitude. Conversely, highly skilled individuals tend to underestimate their relative competence, erroneously assuming that tasks which are easy for them are also easy for others.
In otherwords, for you and people who expect others to just 'get it', get your head out of butt and realize what you are doing and understand that it is wrong. If you want someone to see your point of view, don't be a big jerk about it when you can't even properly put yourself in the other person's situation, let alone feel some kind of empathy.
