Now why in the world do we need insurance?

Back in the good old days when the earth was still flat and we were all living in the same time zone you would have had little knowledge of insurance except for maybe leaving something as insurance for a loan you made.

There is nothing wrong with the concept of insurance, it most certainly has its value in the bigger picture of things.

What is wrong is the way in which many people are bulldozed into signing for insurance policies that they don