If i am robbed, how the heck do I pay the agency ?The idea is, you've already paid, the same way you've already paid the insurance agency when your house burns down. There are other objections, however.
Ok, I just started working and have no money to pay such an agency. I get my first paycheck and get robbed at gunpoint. In fact a service provides a list of uninsured folks for a fee for the bad guys and I just can't get off that list because every pay day I get robbed.