I'd be far less likely to engage in semi-extreme activities that I enjoy (mountain biking, snowboarding) if I didn't have the safety net of insurance to cover m

I'd be far less likely to engage in semi-extreme activities that I enjoy (mountain biking, snowboarding) if I didn't have the safety net of insurance to cover me should an accident happen. I love those activities, but if they have the potential to put me both forever in debt and bad health, I'm probably going to think twice about it. At a minimum I'm going to enjoy them a bit less and not take as many chances. It would be unfair to my family to expose them to that kind of financial risk just for my enjoyment. With insurance I'm confident even if I were to be killed enjoying one of those activities, my family wouldn't be left paying the bill for the rest of their lives. Exercise can involve a host of activities and anything more than geriatric routines expose you to potential injuries you could otherwise avoid.