[nateabele]

You're not a weirdo, but you would be a weirdo for not having, say, insurance (health/car/home/whatever). Unfortunately, the world is such that we're coming to the point where this just needs to be another item on the checklist.

People find the resources to cover the things they need, and lawyers aren't all crazy unaffordable.

[pmoriarty]

Speaking of insurance, is there something like legal insurance where you pay your monthly premiums or whatever and then when you finally need a lawyer, your insurance policy pays for one?

[IgorPartola]

Some employers provide this for about $5-15/month. It usually doesn’t cover everything, but it will cover routine stuff like wills, powers of attorney, real estate transactions, etc.