If you weren't betting that you would have an unforeseen incident (rephrased as: if you were betting you wouldn't have an unforeseen incident), why would you pa

If you weren't betting that you would have an unforeseen incident (rephrased as: if you were betting you wouldn't have an unforeseen incident), why would you pay anything? Paying $X is saying "I bet something will happen to me, so I need this service so I don't get screwed over." Otherwise, why buy pay anything at all?