Paying for something intended to fix a majority of things that could go wrong, except the things that do. Home insurance for example, anything related to plumbing or electrical. You're on your own. Medical insurance. If you're lucky enough to have or afford it and it covers whatever affliction you've been delt. And a billion other spin-off insurances that are semi useful. Some things don't need to be a business. But everyone has to make that money to get laid. A drug dealer has the same ethics but even they know you don't kill off your customers.