I do agree with you, but I can also appreciate that this is the purpose of insurance. It's perverted to a point where it no longer serves its intended purpose,

I do agree with you, but I can also appreciate that this is the purpose of insurance. It's perverted to a point where it no longer serves its intended purpose, but on paper, this is how it should work. We all pool money together, some people use it more (if they live in Florida, for example), but we're all paying in just in case we end up needing it. Because insurance companies are fucking ghouls, the system doesn't work that way, which is why I agree with you considering the current system.