Fantasy Football Insurance. Every family should have it.

According to an article in the Wall Street Journal, the 12 horsemen are on their way and we should be looking out for that Antichrist. And by that I mean there is now Fantasy Football Insurance. Let's say you are in a big time fantasy league and you are worried about one or more of your top players going down to injury, thus ruining your season. Fantasy Football Insurance allows you to get back your monetary losses from league fees and such. This will certainly bring great joy and relief to many households across the USA.
Listen little Timmy, we can't afford to get you braces because Daddy decided he wanted to insure Tom Brady for his Fairytale Football league.
There is an opportunity to abuse this, where there is insurance, there is insurance fraud. You could draft Carson Palmer or somebody, take out an enormous insurance policy and just sit back and collect on his inevitable downfall. Or even better, draft Brett Farve, take out the insurance policy, sneak into the locker room, and break both of his legs. Everybody wins. Except the insurance company and the Vikings.