Insurance is a gamble to make u feel secured instantly, to NOT have the buffer you should and could have had covering for the whole issue in the first place.

It's a matter of handing responsibilities you should have (saving in case of) to others who don't care about you (insurance). And when the time comes for them to pay they become notsureance. So it's a gamble that things will probably be ok, so you can live in the now and worry later. Instead of taking responsibility and not worry later.

Insurance and pension go hand in hand with a debt system. Poor countries don't have either of these "options" provided to us to make us feel secure. We aren't secure, but we are told not to worry about that. People in poor countries have neighbours though. And good neighbours can make all the difference in the world.