> Getting into an accident is far more likely. True, but I didn't say anything about the constants involved, just the shape of the problem. > And everyone has

> Getting into an accident is far more likely. True, but I didn't say anything about the constants involved, just the shape of the problem. > And everyone has health issues sooner or later, so the probability of that is 1. That may be, but health insurance premiums only cover a certain window of time, during which you may or may not have health issues.