Why are the cities that you happen to have lived in a relevant data set here?

Why aren't they? Because what appears to have been an obvious point to everyone else isn't you you:

My point is, across multiple states, and various cities, I've never run across an instance without a family carve-out. I even went through the trouble of picking random large cities throughout the US and literally every one of them has a carve out. Unless you can provide some data otherwise, why is your comment relevant to this discussion? What value were you trying to add?