Something’s Bugging Me About This Analogy

As Kilby writes, Adam “doesn’t seem to get ANY of these analogies right”.

Can we help him?

Is there a connection between a premium and an orc (beyond the fact that the Uruk-Hai were a new, premium type of orc developed by Sauron)?

Is there a connection between a deductible and a ranger? (etc.)

Can you think of another literary work that might be a better fit to insurance? (Maybe Kafka’s The Trial for health insurance claims, for example?)

By the way, have you checked lately to make sure your car’s extended warranty isn’t about to expire?