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A.k.a. "a**h**e [insurance]". Refers to where you habitually bring a really intolerably-obnoxious human along with you on potentially-dangerous excursions, such as on an airline-trip, into battle or a "bad" part of town, on a road-trip through natural-disaster areas like flooding or rock-slides, into a hazardous-materials area, etc., to better your own chances of survival. [The theory] behind this practice, [of course], is that whenever there is a widespread [catastrophe] or other mass-annihilation incident, statistically the "nice" folks are usually the ones who get killed, while the super-nasty inhabitants in the disaster-area invariably seem to escape with little or no injury. So the obvious conclusion would be that if you "keep [your friends] close and your enemies even closer" (i.e., always stay right next to the acridly-antisocial hombre who's accompanying you), the Fate gods --- who apparently like and favor the mean folks, since they always seem to spare them --- will be hesitant to allow anything harmful to occur in your vicinity, since they would not want to risk harming or killing one of their precious meanie-jerks, as well. Simple, but effective, and a lot cheaper and more reliable than buying death/accident-insurance.

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