Originally Posted By: britneyspearsatemyshorts
....i know people on insurance...


That's anecdotal evidence. As noted here, "[i]t is objectively demonstrable that anecdotal evidence is very unreliable when compared to controlled studies."

You might argue that the Wall Street Journal and the New York Times are also using anecdotal evidence. However, in those articles, the "anecdotal evidence" often appears simply as an illustration of a broader trend or study which is described elsewhere in the article (for example: a study by the Frasier Institute).

If anything, stories you've "heard" of "people" are more likely to be the exception than the accounts in the press, for the reasons noted above.