I agree with the fairies. Helgrammites and fish are far more likely
to like the Bad People, they're less interested in personality and
more in flavor and accessibility. They'll even clean them up for you.

Insurance, the way you describe it, doesn't seem all that useful. I
give up trinkets and only get them back if nature is cruel, but not so
much so that I'm gone or the person I gave trinkets to. You might be
better off giving trinkets to the fairies ;-).