Insurance was never meant to be a life long thing. Have you never heard of being self-insured? If you are smart enough (yes smart is the correct word choice here) to live beneath your means and you build up an emergency fund. You can actually be self-insured. People with high-deductible Car insurance do it all the time. Why do we have to take care of these people? Where is the personal responsibility? It's not about keeping costs down, it is about minding my own affairs, not putting my hands in your wallet and expecting, no demanding the same of others.