I think you hit on the breaking point for me. The point is even if I went bankrupt I could come back. But if I cant afford the surgery that saves my life, there

I think you hit on the breaking point for me. The point is even if I went bankrupt I could come back. But if I cant afford the surgery that saves my life, there's no coming back (that I'm aware of). So yes, when I travel abroad I do buy health insurance. But I dont carry tenants insurance (for my possessions) or buy other insurances... I guess if I were so leveraged like a farmer I'd have more fear. But i have almost exactly $0 debt at any given time meaning even if I were to lose my job, I'd be fine. If I had 4 kids and a mortgage and a tractor payment and... and.. debt and leverage, I guess I'd be a lot more worried.