How Much Does Insuring Sanity Cost?

I went out drinking this weekend and heard one of the funniest conversations take place. I could only hear one end of the conversation, but it was pretty hilarious to hear it.

Some person was on the phone talking drunkenly (is that a word) loud.

This person said "I am not going to insure you again!!! Everytime I go out, I have to insure you".

There was silence and then, "Part of trusting me is letting me go out with my friends. I shouldn't have to insure you about this."

Silence again as the other person took this in and then, "I am tired of insuring you. Goodbye".

I bought another drink as a toast to them.