This is absolutely moronic advice. You need insurance against situations that have no top end cost. Health care cost potential is near unlimited. As a result

This is absolutely moronic advice. You need insurance against situations that have no top end cost. Health care cost potential is near unlimited. As a result, other insurable events, like car accidents, are also potentially unlimited because you could be paying someone's hospital bills. In this instance, people aren't brainwashed. Some people are just stupid...