The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.
The rule is derived inductively from experience , therefore does not have any inner necessity, is always valid only for special cases and can anytime be refuted by opposite facts . On the contrary, the law is a logical relation between conceptual constructions; it is therefore deductible from upper [übergeordnete] laws and enables the derivation of lower laws; it has as such a logical necessity in concordance with its upper premises; it is not a mere statement of probability, but has a compelling, apodictic logical value once its premises are accepted
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