Why pay when you get it for free. It goes back to the volly attitude, give it away for free. Sadly many don't check insurance and when they wreck while responding POV they are screwed as insurance company denys the claim and volly service leaves them swinging in the wind.
So my advice to those that continue to hurt my profession by giving it away for free is to get the proper insurance so you don't lose your home, etc for your hobby.