Finance: the art of trading money now vs more money later Insurance: the art of spending money now to avoid spending more money later Seems like an open and s

Finance: the art of trading money now vs more money later Insurance: the art of spending money now to avoid spending more money later Seems like an open and shut thing -- insurance is a form of finance, whether consumer cooperatives, for-profit companies, or the government itself. Unless we're debating the "instrument" part.