@BruceHunterJr I really appreciate your conviction! However without insurance, even none-major bills will have you bankrupt, sick, and on the street unless you pay cash. I'm sure there are many of us who are not in the position to do so.
@jeffld@YourDailyCentss Everyone is in cahoots. I had a car rental included in my insurance policy and the ins company got a corporate rate that is around 70% less than the retail rate. And there is still a small deficit the customer like me has to pay.
No it makes perfect sense because tomorrow, I have to get none Auto-Owners insurance because I turned in my leased vehicle and won't have a car. So I'll be paying $50 a month to prove that even though I didn't have a vehicle, I didn't drive a car and get into an accident. If I don't have this insurance my rates can go up more than 30% when I do decide to get a car. I love being penalized for something I may never do or have not done yet.
But you forgot the part where someone gets sick in his family and they have a doctor bill and he can't afford as many pairs of boots so now he has to come up with ways of fixing them which takes more time and $$$ resources of his own. THEN, the leather and laces he buys for the repair break, or are the wrong ones, so he has to return them and try to find other ones to replace them. In the meantime someone else has gotten sick and gone to the doctor. He can't even look for a second job because he's too busy fixing everything. It's gotten worse since that economist took a look around.
@galvatron261@jeremyct@grok And don't forget the non-auto owner insurance to cover the laps between insurance policies if you don't own a vehicle. If you don't have this your next policy will be 30% more because you can't prove you didn't have an accident.
I think I'm became an expert on how you CAN'T use mass transit to get to work if you live in the suburbs. So sad. I couldn't go 7 miles to/from work without having to stand by the side of a major road for 55 minutes for a transfer. No shelter or bench in middle of winter. I REALLY loved taking the bus but it just DOES NOT WORK. They even removed the shelter where I BIKED 1.6 miles to a different stop to eliminate the transfer. The suburbs were built around cars so good luck with that.