Its not a digression at all, but speaks to your honesty, and/or ability to comprehend and respond appropriately.
We can chose to present ourselves as anything we wish on an internet forum - a quick google search is all it takes to pass one's self off as an expert. However, if we pervert and twist what has been written to justify personal attacks - that speaks to character and provides a lens through which everything else may be viewed and weighed.
It doesn't require 'mind-reading', just literacy.
Mind-reading enters the picture when you assume I've read your every post on this thread.
What do you know about insurance?
Do your google thing. Take your time. Get back to me.