In other words, it's a self-defeating argument that makes no sense.

This could be perfect for them.I still fail how to see it defeats the options that I provided, or leans towards a better passive model or even a "partnership".

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

Because of all people, the handymen who drove around putting in the blackout curtains and cutting the grass to keep the municipalities off the ringleaders' backs, and doing quick-fixes to the facades to defeat quick drive-by inspections HAD to be in on this Ponzi scheme.

In addition, his point of view is that any attorney worth their salt can find a way to defeat an LLC, they aren’t the rock solid wall people think they are by a long shot.Again, this is what I was told, so please find the answers from an actual attorney.

To me it kind of defeats the purpose of protecting personal assets and standing up the LLC.2. 

This second defeat at the ballot seemingly left WIP with few options, and it was looking like they way overpaid for this land that in it's current legal state could only be used as a golf course or park. 

The why answers all those, it doesn't defeat the fact you aren't doing it.If you seek clarity, then the ship has likely already sailed.

I like umbrella because there is no worry of being pierced for inadequate separation of finances, if sued you have a heavy weight in your corner who has all the consequences of a defeat, and because usually it is reasonably priced (mine today is not so reasonably priced but I believe it is mostly related to the risks of CA).I do understand that the probability of needing the umbrella policy is low.  

Once you find a pitbull friendly policy you will find it excludes animal liability, thereby defeating the purpose of pitbull friendly insurance.