Yeah, it's a big misunderstanding to think that insurance is not a product. It is product. The problem is that these companies all have the most shit versions of this product. It's like living somewhere where every sandwich shop had a slice of bolongne on white bread, and they just changed which brand of mayonnaise they used.

This is a serious part of the problem. Home insurance, car insurance, can be bad, but at least you don't usually have to deal with them. You can go years without needing anything from your home insurance.

You WILL need healthcare, minimum once a year. Most people need it every month or every few months. Your car insurance doesn't pay for your oil changes or new tires because those are guaranteed maintenance costs, not unexpected emergencies.