Except you know legally required.

It's not gambling, it's risk aversion. They are not the same. It's assuring you're protected from harm by distributing out the costs in case of harm, that any individual couldn't handle.

Gambling the goal is to get money. Insurance the goal is distributed liability so that possible danger will not bankrupt you. You still often can not come out ahead with an insurance payout, but hopefully won't come out bankrupt.

That's part of why medical insurance is so bad these days is because it doesn't even prevent that. But it's still an insurance, and not one that you want paying out.

Hell, not all insurance is even monetary --conceptually, saving grain silos for drought and famine is still insurance.