Your points are well taken, Janette.  Misfortunes of birth or just life  in general, threaten us all.  I chose to carry no more insurance (health, collision, hull, etc.) than was required by law, assuming the risks of life, accidents, etc. myself.  I've tried to avoid self-destructive behavior, etc. & I've been blessed, thus far. Perhaps some form of catastrophic insurance could be purchased, by those who wish it, but  requiring society as a whole to provide such universal coverage seems an undue burden on all but the recipients - a minority.

 This is a profound, contemplative issue, for which I can speak only to my own decisions.