Don't ask these questions, because I might have to give my opinions on the matter which would get this thread closed . And I'm both surprised and proud that its being as civil and organized as it is.
Giving your opinion is fine, if you can do it in a manner that is not insulting to the person posting or doesnt violate any other rules. It is as simple as that.
There is nothing wrong with asking these questions.
But to put it simply, we are our own person. We live our life our way and not a single person on this forum can tell us a single thing about what we need to do or dont need to do when it comes to a topic like this. We are not them, we have not lived their life, we have not walked in their shoes, we do not do what they do.
So no matter what the opinions maybe, it dont mean squat. Cause simply put we can not possibly know for a fact if a person does or does not need insurance. End of story.
While someone may bring up great points on why insurance could be needed for any given situation, that doesnt mean that it will apply to that person if they are not in that specific situation with the specific parameters to have to need it. there are always the "What If's?" in life. Nothing is ever known for sure.