Sure, I have lived well bellow my means to basically self insure my whole life.. It's at best rather pointless and depressing to live at a set quality of life i

Sure, I have lived well bellow my means to basically self insure my whole life.. It's at best rather pointless and depressing to live at a set quality of life in that version of a low trust poorly developed society. The whole point of insurance was to pool for emergencies. If you have to keep enough money for two things insurers are adept at not covering in a row you may as well save all your premiums to get there faster.