Aught For Nothing

As one does in elder age, I began adding up all the routine monthly expenses that I paid in the sixty or seventy working years in my lengthy lifetime. I thought it would be interesting to see what kind of  money I spent and actually never used. One of these situations for which I have received nothing for the most part, is  insurance. My insurance over a  lifetime, adds up to thousands upon thousands and from it I received nothing but a promise that was largely an IF. If the IF amount wasn't used, why didn't I get a rebate or maybe some kind of discount the next year or perhaps a Christmas card?  Nope. Nothing. And furthermore, my insurance cost this year, is increased instead of being reduced even though I haven't used a cent of it. But with not even a thank you note, it will be more this year.  It was used, I assume or they tell me so, but not used by me. I don't smoke, I don't have accidents, I am cautious and careful. My insurance money was used for a whole lot of other people and they didn't send me a thank you note either. When I began totalling the whole amount up, I could probably have paid for the the possible things that might have happened. The only insurance claims I ever got didn't add up to much. I guess I am one of the enormous numbers of people who never use the enormous amounts of money they pay in insurances that they never use or receive for it, a bonus back or a reward for paying all the other people who use it. Talk about doing unto others! Luck? Yes, luck is what insurance is all about.  When luck is involved, isn't that called gambling? Of course, buying insurance is a gamble. Anyone with good sense realizes it. But sadly, the only time one can win at this game, is if something bad happens. What if it doesn't? We accept but seldom ask questions about this kind of thing. Why?