saying " don't have credit to discuss further with me"
Please do not sound like a loser.
"Why the heck on earth not those race cars are made out of titanium"
Answer is simple:
1. COST!
2. Race car is built to race, not for crash.
"dump your insurance, you never need it."
I do need it. When your car hit my car, you know where to get money to fix your car.