Including mental health. Insurance is dangerous in that it skews
one's attitude toward important issues. Better to have no insurance
and act prudently, whether for health or safety. Insurance companies
are in business to make profit. Keep that profit for yourself. We
spend money otherwise sent to insurance companies on the best food we
can find, a superior vehicle, books, building materials and other
preferences. Without the burden of insurance premiums one can live
large on a small budget. A small budget means less time spent earning
income and also a smaller tax bill. Win-win.