What is your "inexpensive" hobby that turned out to be expensive/ you gradually invested lots of money into?
Edit: so it turns out that every hobby can be expensive if you do it long enough.
Also I love how you talk about your hobby as some addicts.
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I had the good fortune of meeting a couple of board game nerds before getting into the hobby myself. They had a seperate insurance policy specifically for their games.
That's not a bad idea. I may do the same.