Insurance of any sort is a gambling as Ned from The Simpsons proves in his quote from the 8th episode of the 8th season of The Simpsons.
Fictional characters in a cartoon are not a source of reliable, verifiable facts, especially regarding healthcare and/or economic advice. And, wow, if you’re telling me that you base your financial and healthcare decisions (not to mention your religious convictions) based on a line from The Simpsons, then don’t simultaneously claim that you’re making a rational argument based on logic and facts. “Ned from The Simpsons said it” is a claim so ridiculous it really proves how desperate you are to hold onto your “beliefs” in the face of facts, evidence, and actual logic.
Now, you’re free to disagree but you haven’t been able to disprove either of those facts that together form an air-tight case for what I’m saying.
It’s your responsibility to prove your claims, not for me to disprove them, and you haven’t done that at all. Oh, and some throwaway joke from a fictional cartoon - on its own - isn’t proof of anything other than that your “beliefs” have a fictional (and very silly) basis.