Who subscribes to insurance bullshit?

Got into a conversation with my friend today and the topic of insurance came up. My friend expressed his views that insurance companies and agents are like lawyers, in that they're sharks out for your money and all that other bullshit, because a lot of insurance is so seedy and shady, especially when it comes to what your insurance explicitly covers.

For example car insurance; you've got to make sure you've got the right kind and all sorts of other special options (or just the all-inclusive full-money-coverage-sucking plan) or else you'll find that you won't be covered for everything, let's say when some damn illegal rams into you and it turns out the illegal doesn't have any insurance (which is illegal here), but your insurance won't do jack shit about it.

Do you subscribe to insurance? I only subscribe to two kinds, because it's the law now, I guess, well car insurance is mandatory, but I guess health insurance isn't, though the school I'm attending says that all the students have to have health coverage, so I'm signed up to pay for my school's health coverage plan. And then there are other kinds of insurance, fucking house insurance, and not only house, theft, fire, flood, earthquake, hurricane, whatever-the-fuck-else-insurance-wants-to-rob-you-money-from, etc.

To be honest, insurance really pisses me the fuck off. All this what-if bullshit that has never, ever happened to me before, except for like the example above when I was working for this company and got to drive the company truck to different jobs, and some fucking illegal rammed into the back of the truck when I was at a stop sign, and it turned out he didn't have insurance and there was nothing the insurance company would do for my boss or the banged up truck that had to be put out of commission.

Not only that, but the amount of money you pay to "insure" yourself? The only thing I'm ensuring, is ensuring all my fucking money goes to paying off gayass insurance bills. If you're talking about the average American or even just minimum wage workers and non-rich people, if they were to subscribe to all this insurance bullshit, they wouldn't even have enough money left at the end of the day to buy fucking food to eat. Got any food insurance?

And then insurance comes into the consumer world with insurance for your electronics and warranty plans and all sorts of other bullshit. I bet all the money I waste on insurance for all the what-ifs that might happen would more than cover the amount of money the insurance companies "helps" cover for me. How many times have I ever had to "collect" on my insurance up until now? Zero. Common sense and sensible acting goes a long way with this whole crock of insurance. Maybe I'll think about it more seriously when I own my own house or am getting old as fuck where I'll probably get sick and need to be hospitalized, but what the fuck. I hate insurance, taking all my damn money. But, what if... No, what if I stopped wasting all this money on goddamn insurance. Fuck insurance.

Phew, just had to get that off my chest. Anyone else feel the same way about insurance? What kinds of insurance do you subscribe to, and how much of your blood do they suck out every month, or with other insurance like car insurance, every quarter or year? Are there risks you are willing to take rather than spend your money on what-ifs?

Jam it back in, in the dark.