Thats basically for everything. Do you think home insurance will pay if you burn down house every year. Or car insurance if you trash it few times a year. I see DDOS protection as kind of insurance for event happening once in a while, if it happens all the time one definitely needs something more than a free service.
That reminds me of an NPR piece [0] discussing how a worrying number of people seem to be getting wrong/illegal tax-advice from "influencers" on TikTok etc. I'm sure a similar thing with insurance fraud either has happened or will happen eventually.
