In the long run, all things being equal, it's cheaper to never insure and instead pay out of pocket for your losses.
I'd only insure for truly financially ruinous scenarios. Not for material goods or airfare, etc.
Only in aggregate, not necessarily for any given individual.
In the long run, all things being equal, it's cheaper to never insure and instead pay out of pocket for your losses.
I'd only insure for truly financially ruinous scenarios. Not for material goods or airfare, etc.