Imagine an umbrella costs $10. If you buy one, your personal items will be safe during a storm. If it doesn't rain, you're out $10. If you choose not to buy it, though, and it rains, you have to dry-clean your clothes. Your laptop and smartphone get soaked too. Your shoes are ruined. And let's face it, at some point, it's going to rain. Wouldn't you buy an umbrella?