A.k.a. "a**h**e insurance". Refers to where you habitually bring a really intolerably-obnoxious
human along with you on potentially-dangerous excursions, such as on an airline-
trip, into battle or a "bad" part of town, on a road-
trip through natural-disaster areas like flooding or rock-slides, into a hazardous-materials area, etc., to
better your own chances of survival. The theory behind this practice, of course, is that whenever there is a widespread catastrophe or other mass-annihilation incident, statistically the "nice" folks are usually the ones who get killed, while the super-nasty inhabitants in the disaster-area invariably seem to escape with little or no injury. So the obvious conclusion would be that if you "keep your friends close and your enemies even closer" (i.e., always
stay right next to the acridly-antisocial hombre who's accompanying you), the Fate gods --- who apparently like and favor the
mean folks, since they always seem to spare them ---
will be hesitant to allow anything harmful to occur in your vicinity, since they would not want to risk harming or killing one of their
precious meanie-jerks, as well. Simple, but effective, and a lot cheaper and more reliable than buying
death/accident-insurance.
The concept of the "a**h**e safety-net" is nothing new --- it's actually just kinda the reverse of taking hostages: while the latter involves keeping desirable
people close to you so that their fellow
humans will not send bullets or bombs your way for fear of hurting their abducted loved ones, the former strategy also utilizes the "human shield" concept, but in the exact opposite way... no respectable human being would give a rat's a** if your cranky-natured companion were eliminated ("Good riddance!"), but the Gods of Fate would
indeed wish to maintain the well-being of such miscreant, and so they
will feel forced to let you live on, as well.
