In other words, you agree completely. Grandparent never said that following the pragmatic path in this case would be morally defensible and almost certainly believes that it wouldn't be (except in the sense that the human capacity for rationalization is nearly infinite and so a person stuck in the situation would likely manage to convince themselves otherwise). I get the sense that the grandparent post was complaining that by allowing insurance companies to exclude events like this we've created a terrible moral hazard.