Is a first world person who purchases long-term-care insurance or health insurance infinitely more selfish than a third-world person who has no insurance of any

Is a first world person who purchases long-term-care insurance or health insurance infinitely more selfish than a third-world person who has no insurance of any kind? The things you describe are just forms of insurance that are not considered must-haves by most people, but are sometimes chosen by super wealthy people for the same reason anyone chooses to insure anything.