Definitely don't appreciate those accusations, that's unwarranted. Yes the math works in their favour overall. It's a statistical model spread over their entire customer base. But the point of insurance is for when the unlikely happens, that's why you have it. You hope you never need it, but it might happen. Don't tell me you don't have home/auto insurance; that'd be wild.

Edit: Also, please remember the community this is. I think it's prudent to discuss how insurance fits into the overall financial picture. https://www.youtube.com/shorts/MiyapguxKbQ