You may rely on 911 to protect you, I and many others don't. When you call the police, do you expect them to arrive carrying sticks? Why do people need insurance? If these ships being hijacked by the pirates had weapons on board to protect themselves, four armed pirates wouldn't have been able to overtake twenty others and would probably think twice about trying to hijack anyone else. They prey on the ones they know are unarmed as you obviously think we all should be.