I tend to agree, but ..

.. I'm probably going to be willing to take the chance it will work. Until there is the proof you demand, that's all it is - a chance, a possibility. If you fund with life insurance, it costs about the same as the money a lot of people put out playing the lotto games, so it isn't much, for most people. The one sure thing is that if you don't take the chance, your death is sealed.