More and more, I feel like insurance has become a scam. The original idea was that of pooling risk. Now, it's as much of a daylight robbery as it can get. Premi

More and more, I feel like insurance has become a scam. The original idea was that of pooling risk. Now, it's as much of a daylight robbery as it can get. Premiums have shot up up. You can only make a claim at most once in your lifetime. Once past that, forget getting insurance anymore (at a reasonable premium, that is). Insurance is practically a zero-loss business [citation needed].