It is a mischaracterization because you are framing his lack of understanding of auto insurance in the present tense. You may think we're to stupid to tell the difference, but we're not. And as someone who doesn't have any access to medical care myself, I support his efforts on my behalf. But the fact is, it's the Congress who will make the decisions about what happens with health care, and not Obama, so trying to frame it as if his knowledge or lack of knowledge of the insurance industry has any effect on what happens with health care reform is also very dishonest.