Fear. The insurance is not for “oh what if I break an arm and don’t have much cash in the bank” it’s “if I get cancer, or need to spend even a week in the hospital, all my life’s savings will be taken by this. Better give boatloads of cash every month forever to protect what I have against this.”

Then the insurance company does its best to wriggle out of paying anyways.

The point, at least in America, of insurance, is to make outrageous profits

The times when it’s tens or hundreds of thousands of dollars. The way it’s set up usually these days is that you have to pay for the first few thousand, then insurance pays part of the next few thousand and then they take over the rest. Unless they can figure out a way not to pay it. Because of insurance companies the cost of medical care has become massively inflated as well. Not just the extra paperwork and people, but also the hospital doesn’t care about being competitive, and they make up even bigger numbers so they can give insurance companies “discounts”. Then insurance just passes the cost back on the consumers.

to make money, just not for you

for the possibility of actually expensive treatment, like getting severely burned and needing skin transplants.