In the beginning God created the heavens and the earth, and then he called an insurance company to get a quote.
They hovered over the waters of the formless empty earth, came up with a figure within God’s budget, and they signed the policy.
Afterwards, when God separated night from day, land from water, and made all kinds of other things, He didn’t bother to update the policy.
That’s why he was so pissed about the apple and the Garden of Eden, although He did eventually manage to collect on His son’s life insurance policy.
Jesus took half, of course.