Went for a run. This popped out.

Most insurance is a Fiat scam. Especially non-liability car, home, property.

New approach:

-If forced to have insurance, select the highest deductible possible

-DCA what you would have paid monthly in bitcoin

-be smart about labels ** gambling money** on the Fiat side

-probabilities are very likely no disaster ensues, then you have the upside of hodlin your insurance cost instead of handing them over to the scammer