>Others (like me) would rather assume an average snowfall based on history and do an assessment when the blizzard comes.
>
>Why?
>I'd rather hold my money than let someone else hold it.

And then they promise you interest and growth. To which the response here was, traditionally, "only one thing grows in someone else's hand, and money it is not" (the translation is politically rectified, but if you have someone to translat it for you, here's the original: "у туђој руци само курац расте").