Insurance that pays the mortgage of someone who dies, so that his survivors don't have to pay it, is called:

due to knowing to much and more becoming knowledgeable most of the people are using their talents that's why they don't need to believe on the hoaxes because they got their humanism in them then the past ones.the main reason why people believe in hoaxes today than ever is due to the potential reach of the internet on the global platform. the artists are using the mindset of the audience to create something that is not even real. and people are even following it up due to the trending pattern.