My thoughts on this are philosophical. Put aside fear and worry and instead learn to love the volatility. Don't ever buy insurance. Let life be unpredictable. When bad things happen, it's a challenge, it's entertaining, and better entertainment than watching videos about what is wrong in the world because it is happening to you. When good things happen, smile and enjoy them. You own life will become more interesting and fun to live.

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Sorry but the only thing I understood in your comment was "solution to the volatility". The rest was greek to me.

This philosophy is quite interesting, it reminds me of Nietzsche's "amor fati", it is not always easy to embrace it, but it could reserve interesting awareness. Thanks for sharing.

100% agree insurance take the fun out of life!!!