[SoftTalker]

If you can pay cash without insurance, then you don't need the insurance.

Insurance is (should be) addressing the risk of unexpected expenses that you cannot afford. Not predictable, small expenses that everyone has.

[tmountain]

This ignores catastrophic scenarios.

[SoftTalker]

That is included in "unexpected expenses that you cannot afford"

[IAmBroom]

???

This explicitly addresses catastrophic scenarios.