I've seen many a crass and cruel comment here on Mudcat but nothing surpasses that from Guest, Home Truth. You have clearly never had an instrument that was your best friend (not to mention a tool of your trade) at times when it seems there is no other.

I know not whether Damien had his banjo insured, but this is not the point. If he had, he'll get some money and so, after a lot of inconvenience and heartbreak, he can buy another, But it won't be the same. And his trust in humanity will have taken a rather steep dive.