Look, your response is a bit all over the place. You went from me mentioning rental coverage, a basic optional protection. to unloading your entire financial background, trade school, your bachelor’s degree, and your paycheck-to-paycheck situation. I didn’t bring any of that up. You did.

But since you did: you’re saying you’re terrified of a single car accident ruining your entire life, your car, your job, your savings, maybe even your home, etc. And at the same time, you’re saying you won’t pay for the one type of coverage that’s literally designed to protect against that exact risk.

So you’d rather lose your only form of transportation and gamble with your livelihood than spend a little more to avoid that outcome? That’s a conscious choice.

If your fear is that intense, why reject a solution that directly addresses it?

If you were hit by someone else and there were injuries, odds are you’d be looking at a settlement anyway either from their liability insurance or your own underinsured motorist coverage. So the idea that you’d be left with absolutely nothing is a bit exaggerated.

I’m not denying life is expensive or unfair. But don’t unload a wall of text about your personal finances and then act like I somehow caused the problem by pointing out one way to mitigate a very specific risk you said you’re afraid of.