exactly, and insurance assets have to be safe because they don't exist for you, they exist for the total community, and how can the total community ensure that you are safe?
Discussion
Everyone will have personal insurance funds called personal savings. There won’t be a need to rely on a community when everyone takes care of themselves by saving (aka self insuring)
insurance exists when the state of your property (in this case your body) has an impact on the overall well-being of the community