It should be universal. A given Failing to get one, is actual straight up gambling. And if placing bets on someone else’s marriage is incredibly inappropriate (I’m told that’s a pretty broad consensus), it’s crazy to think it’s ok to place a bet on your own when you can so easily just completely avoid that
I honestly think yall are beating a dead horse with #3 for absolutely zero reason, but another angle of this is that you get insurance because even though you may plan on driving safely, not everyone does, and someone ELSE may cause you to need to utilize your insurance. Likewise, perhaps you plan on eternity with your partner, but they could always become unloyal, or they go thru something that changes themselves as a person and they don’t want the relationship anymore. Anything can happen.
Well that’s the argument here. “It’s not a fair comparison bc it’s legally required” (despite it is, tons of people drive illegally without insurance all the time). So you’re implying the only reason you people get insurance isn’t for it’s benefits and protection in the unwanted worse case scenario, it’s because you’re legally required to
I only got insurance because of the legal requirement, I pay X amount of dollars every 6 months for a vehicle that has never been in an accident, it would be cheaper to just fix damages to my car as they happen because the accumulative cost of my insurance is greater than the cost of repairing my vehicle in the event of an accident. The only reason insurance is even remotely useful is if your car is totaled, however this is not a directly comparable situation and that was my only point.