nothing conspiracy theorist about it at all. If anyone gives you sideways looks when you mention that insurance is a scam, just point out the very simple and undeniable fact that insurance companies are (very) profitable. That means, by definition that the average customer pays more in premiums than they get in payouts, and not just a bit more, a lot more, as that profit they make is after they pay their thousands of employees, award multi-million dollar bonuses to their executives, pay for their bigass skyscrapers, and all that other shit. If insurance was a "fair" deal, they'd be losing money from the administration costs

Always self-insure if you can afford it