This looks more like a gimmick to cash in on overconfident people, who want to have some extra bragging rights on the course, than an insurance. Who gets insured for something that costs you $650 at max and is totally avoidable?
$3/mo is a flat, fixed fee that can be budgeted against. $650 out of the blue is a lot like having a car break down, and is enough to put a crimp in any other plans one may have coming up. If someone really enjoys golf, it seems like a reasonable thing to do.
Except instead of your car breaking down it's like $650 out of the blue to wash all your neighbor's cars out of the kindness of your own heart. It's a completely avoidable cost (no insurance needed, just don't buy people drinks if you don't want to).
