> I am saying insurance as a concept is stupid and anyone who has insurance is dumb except in few rare cases

I disagree with this completely. I have a car. I drive safely. It is unlikely that I will get in an accident and hurt someone. But I pay for insurance because it's _possible_ it will happen anyways. If something goes wrong, I could either

- Have the insurance I pay for cover the expense of handling it, or

- Have everything I own taken from me to cover the expense of handling it

The cost of insurance is above the the cost of (<covering the expense of a catastrophic event> * <likelihood of me having such an outcome>), but still very much below the cost of (<covering the expense of a catastrophic event>). As such, it is my belief that it makes sense for me to pay for that insurance.

I find it confusing that anyone would believe otherwise. Unless perhaps you're saying that the government should cover all such catastrophic outcomes, which doesn't seem realistic to me.

> Well, if I was on another website I would say something about you as a person

So, you'll insult me and pretend like you didn't? What are you, 6 years old? Clearly you found it insulting that I could not comprehend your view on the subject (which was not my intent), but seriously?