In my life I have spent thousands of dollars in insurance in the event of damage or loss of any kind. Thousands in premiums for insurance I've rarely needed. All of that to prevent losing everything in an accident or disaster. I get it. I really do. You have to have insurance for those unexpected tragedies so you don't go broke and have to start all over again. But I gotta tell you that as a adult, I've made 2 claims ever against my car insurance, none against my home owners insurance and very little against health insurance. I think I would have been better off putting all those premiums in a bank somewhere (that no doubt is insured not to lose my money). We have a lot of options and mandates for insurance in our country. Your car must have insurance in case you are hit or you hit someone else. If you have a mortgage, you have to have homeowners insurance in case you burn it down or get hit by a tornado, hurricane, flood or other "act of God". You have