[Ingtar]

The “problem” was that the father was honest and wanted to teach his children honesty. The problem for the insurer is to piss off their stockholders or the public.

[My hearts in London - Everett]

My point is that I don't think there was any dishonesty here by the father. He thinks it's dishonesty just because he wrote his boys names on those tickets?? I think that's stretching the definition of dishonesty. So if he wrote the boys' names on there, he could have crossed it out and written the other boys name on the ticket! Technical "dishonesty" solved. This isn't a case of the ticket seller writing each ticket buyer's name on each ticket as they buy it.