答一问：cover 含有投保的意思,确切的说是“给.投保”英文解释为cover:To protect sb against loss,injury,etc.by insurance.
（对于二问,不知道提问者有没有笔误,单词loads是否为loans.我所给出的译句里以loans为准,如是loads,此句即当学习）答二问：原句 "Taking out loans they can't service properly" 译句：获取他们（实际上）所无法提供的贷款.Properly 不明译.
Not taking out insurance to cover the sudden loss of a key e
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