First of all this isn't an anti-weed post, I use weed regularly and enjoy it. What I'm arguing against is occasional use, once a month or less, at that level your tolerance usually resets between uses. The thing they don't tell you in health class is tolerance goes both ways, you become tolerant to both the positives and negatives of use. For weed the negative im referring to is anxiety, though short term memory loss also goes down with more regular use. Whenever I take a break and then start doing weed again I get way too in my head and anxious which usually goes away after a couple sessions. This has also become worse with modern legal strains that have become way too concentrated. Dispensary edibles are a bit better since you can dose them easier but even then the longer the time in between uses the more likely you'll forget what's a good dosage. I see this a lot with friends who don't regularly do weed and they smoke with me, get way too high, have a bad time and then won't do it again for a while and repeat the cycle. So for those type of people I'd recommend not doing weed at all or doing it more regularly so you can keep your tolerance up. No shame in picking either but the middle ground kinda sucks.
EDIT: a lot of people are saying get lower percentage strains or higher CBD ones, to that I'd say I wish I could. I always try and get the lowest percentage stuff I can find at the dispensary and that stuffs still usually in the high teens percent THC with less then a percent CBD here in SF. So I guess part of this is just a rant on how stupidly concentrated modern weed is and how it leaves little margin for error.
It could just be for reducing churn and keeping the status quo. It's a prisoners dilemma, if geico spends a million on advertising then they might gain some customers from say progressive. Progressive would then also also have to advertise to attract customers back so they will spend a million on advertising too, now both are spending a million to keep the status quo. If you take a step back and look at the big picture it's basically everyday people paying higher premiums that go to the advertising company, celebrity etc.
The car insurance market is pretty static, there's no opportunity to expand the market outside general population growth since everyone already has a car and has car insurance, so expansion is difficult especially since there arent many differentiating factors, so companies tend to advertise to just keep there current market share. Charity on the other hand has plenty of room for expansion, it can be as much as the disposable income of the country, if you watch an aspca ad and donate your likely to keep donating to the other causes you support, assuming you have the disposable income.