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Insurance is a scam on par with pyramid schemes in my book.
These companies prey upon people's fear of disaster to con them out of large sums of money. For the vast majority of people, the amount they would have had to pay if they didn't have insurance will never ever begin to approach what they end up paying for insurance.
"Peace of mind" they call it - well I don't buy that but I'd be happy to give them a piece of my mind for a much more reasonable price.
There is this strange concept where you can "save up" money instead of spending it all, where you can live and behave intelligently, with due caution and prudence, and where if and when you end up in a situation where you've got a major expense to pay, you take a little personal responsibility for it instead of whining about how it was "chance" and deal with the expense yourself. The insurance con artists would have you believe that this is some sort of terrifying and horrible experience but I just call it "life."
You either make decisions, and you live with the consequences, or you join this idiotic scheme where everybody still makes their own decision, but everybody deals with everybody else's consequences. I don't know about any of you, but I'd rather have my financial expenses in my own hands, rather than in the hands of every other idiot who happens to land in the same demographic. I'd rather deal with the consequences of my own life and my own decisions, rather than deal with the consequences of other people's lives and other people's decisions who share some superficial similarity to me.
The reality is that insurance is the enemy of personal responsibility. The only people it ought to appeal to are fools and cowards.
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