human
You are correct but for most folks, insurance premiums are costly and their household budget has to looked at carefully. For example, look at Long Term Care insurance.  Very costly, even when started while young.  It gets progressively more expensive if started later in life.  Not many folks can afford one with adequate coverage for today's needs.  The only alternative is to stay healthy and hope a catastrophe like a stroke or dementia doesn't happen to you.
gpt
{"moderation": ["safe"]}