, we all need to be able to have affordable insurance (Canada, for instance). But immoral has nothing to do with insurance. The immoral part is immoral: Read the Bible - did God not destroy an entire city for this act? It is not OK; it will never be OK. All the TV shows in the world are putting it out there and "in your face" (so to speak), but it is not OK. We are here to procreate and God did think of everything for us - he made it pleasurable - so now we have a crossroads. We have pleasure in a normal, healthy and proper fashion in the eyes of God, and then there is just plain wrong. I think it a serious problem. I think the reasons for this way of life is deeper than we ever will know, the hows and whys of it all. I do not condemn them, but probably worse I feel very sorry for them. It is not an accepted way of life. But insurance needs to be a part of our life...period.