Who subscribes to insurance bullshit?

The cliche phrase comes to mind, "Better safe than sorry." Unfortunately, the reality of life sets in...we all have to pay insurance. It's one of those expenses that you may never "benefit" from. It's similar to federal and state taxes in that most of us complain about paying them because we often don't see where the money is being put to use, and when we do see the results of our expenses, we see the funds being used on resources that still do not benefit us. For example, perhaps a road you'll never drive on us repaired by your tax dollars.

It's an unfortunate fact of life. I concur with YeOldeButchere. It's probably better to pay small sums of money (often simply by habit) that way if the time ever comes where we'll need to dip into insurance, it's available to us. However, as you've pointed out, there are situations where our insurance still does not apply. Ya just gotta know what you're paying for.

How ya doing, buddy?