annabenedetti
like marbles on glass
Insurance companies make their obscene wealth by scaring people into fearing the unknown. I never feared a catastrophe. If catastrophe were to come then I would have to deal with it sensibly and if I could not afford the costs of healthcare then I would just have to do without. I would rather face catastrophes in such a scenario than waste money paying someone for years without any catastrophe.
I told an insurance salesman about 50 years ago that I figured out the insurance company was betting I would always pay them more money than they would be paying out for my care and I was going to gamble with them that I would always pay less for my own care than I would be paying them to promise care to care for me if needed.
If you'd rather die than pay for insurance that would save your life (should I assume you'd refuse government-subsidized care that hospitals are required to give to non-insured patients?) - would you have extended that willingness to die rather than pay for insurance to your children also? Would that be a catastrophe fearful enough?