[daemin]

You have an insurer which insures you against an even that happens 1% of the time, but you are its one and only customer. The event happens to you, so the insurer has to pay you out. Since it doesn't have any more money than what you paid into it, it goes bankrupt and you do not get paid.

For insurance to work more people have to pay into the system than people who receive payment, otherwise the insurer will go bankrupt.