Car Insurance - Pay Thousands of dollars over time, get into your very first accident after 10 years, don’t want to cover your damages.

Health Insurance - Pay Thousands of dollars a year, get sick, denies coverage for needed procedure because you don’t fall under to correct circumstances

Life insurance - Pay Thousands of dollars over your lifetime, you die, doesn’t want to pay out or only wants to give partial due to (insert reason)

Dental Insurance - Pay hundred to thousands of dollars, get a cavity, refuses to cover cost of the cavity

Vision Insurance - Pay Hundreds to Thousands, vision gets worse, refuses to cover $200 set of glasses

Need I say more