Unis,
Thanks for your response. I appreciate your positive perspective. In some sense, I suppose, i can view buying insurance as a way to contribute to the common good, since my premiums go into a larger pool which is meant to help people who truly are in need. So, even though I don't expect calamity to strike me, through the instrument of insurance, I can help others who are currently suffering through calamaity. Nice!
Best,
HF
