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Back in the days of film, the "insurance shot" was a standard for any important subject. That is, the smart photographer took a second (or third, or fourth) shot of critical subjects whenever possible, just to be sure they got the shot they were looking for. (Nothing like having your spouse blink just as you snap that photo of them with a Broadway star.)
Of course, insurance shots also meant you had to buy, change and process more film more often... and that could get expensive.
Thanks to the instant feedback of today's digital cameras, you don't have to take insurance shots nearly as often - something your family probably appreciates while on vacation. And even if you do take an insurance shot here and there, there's no added cost, since you can simply delete any shots you don't like.
As long as you're not dealing with a moving target or a busy celebrity, with a digital camera, you can take as many shots as you need to get just the shot you're looking for. Just shoot, review and shoot again. And when you print your pictures, you'll already know which ones you like - so you save money on that end, too.
There's no doubt about it, the digital do-over saves you time, money and frustration.