Good thing it’s typically mandated by state law. You don’t have a choice when it’s deducted from your paycheck in most cases, and you’re automatically enrolled. (In some states and situations, it’s paid for by the employers). Whether you ever take advantage of that is another matter.
However, that’s irrelevant. All you’ve done here is demonstrate poor decision-making skills, and a profound misunderstanding of the concepts of both insurance and gambling.