No, I think I did. Cal, here's the answer to me which I can't argue against;
"Joe, you make some assumptions here. First, that the buyer of term will actually invest the difference as you suggest. While you object to the mixing of insurance and investments, I've found that such a large percentage of term customers come back admitting that they squandered the rest, and that they would have been better served by a whole life policy which comes with a monthly bill, like any monthly bill it becomes part of the budget, not discretionary money they can spend. Problem is, you assume that most people have the savvy to understand how and why to invest, along with the discipline to follow through on such a plan. In reality, there are few that actually do that."
So, I am pefectly capable of seeing the other side of the issue. JOE