Why does Geico treat it's potential customers like this?

Count how many times the idiot NOT acting like a child having a stress attack uses the phrase "help with homeowner insurance."  What the hell does that even mean?  Geico sells homeowner insurance.  It "helps" with insurance the same way a grocery store "helps" provide you with milk and bread.  What's with that language?  Is Geico afraid to use the term "sell" in it's ad?  Does it think we're going to become convinced that we aren't capable of buying home insurance and we need someone to "help" us through the process without actually taking money out of our pockets?  Does Geico think we're all a bunch of children?

Wait- watching this commercial again, maybe that's exactly what Geico thinks.  So it distracts us with this fat doofus acting like an infant at a McDonald's Playland instead of someone seriously considering purchasing a home.  And it uses language which suggests he just needs someone to hold his hand while he buys insurance- not someone to sell it to him.  WTF-ever, Geico.