The One-Flavor Ice Cream Nightmare vs. The Elkin Insurance Buffet Imagine it’s a scorching July afternoon in Elkin. The pavement on Bridge Street is hot enough to fry an egg. You are desperate for a cold treat. You walk into an ice cream parlor, sweat dripping down your brow, dreaming of Rocky Road or Mint Chocolate Chip. You step up to the counter, wallet in hand, and ask for a menu. The teenager behind the counter stares at you blankly and hands you a bowl of warm, unflavored beige mush. "But I wanted chocolate," you say. "We only serve Beige Mush here," they reply. "And by the way, the price just went up 20%." This sounds like a nightmare, right? Unfortunately, for thousands of people in North Carolina, this is exactly how they buy their insurance. The "One-Flavor" Trap (Captive Agents) In the insurance worl...