if you buy it and never use it, you lose. If you don't buy it and later need it, you lose. The point being: you can afford the first loss, and cannot afford th

if you buy it and never use it, you lose. If you don't buy it and later need it, you lose. The point being: you can afford the first loss, and cannot afford the second one. If the second half is not true, you have identified an insurance policy you don't need.