die Vollkaskomentalität
the full-coverage mentality. Vollkasko is fully comprehensive car insurance. The word describes the expectation that someone should cover every risk in life.
Germans use the word to criticize themselves. In 2023 Marcel Fratzscher, president of the German Institute for Economic Research, wrote: “Diese Vollkaskomentalität ist heute die größte Gefahr für die Zukunftsfähigkeit Deutschlands.” This full-coverage mentality is today the greatest danger to Germany’s future.