Most people have a mortgage that requires them to buy home insurance. They don't have the choice. But even if they don't have a mortgage, it's still a complet

Most people have a mortgage that requires them to buy home insurance. They don't have the choice. But even if they don't have a mortgage, it's still a completely different tradeoff. You can't use "people get home insurance" to draw conclusions on "people should mask indoors". Different risks, different costs, different tradeoff.