[Kirby64]

I’d agree there’s no single right answer, but I think generally a risk profile for an insurance product that is so outsized against you seems like a poor decision.

This isn’t like putting all your money in meme stocks or something, this is more akin to selling risky stock options. The downside potential is massive and essentially uncapped, whereas the upside potential is meager.

[monster_group]

Downside is not "essentially uncapped". That would be the case if I did not have insurance. I do have insurance - one with high deductible with a fixed maximum loss that I am willing to accept should such an event happen.