I need them because if I don't have car insurance for example i get a fine. I need health insurance otherwise i have to pay out the ass. 2 stupid things made by some money hungry old fuckers that just want to collect even more money. This is just 2 examples of all kinds of insurance. The whole system is in place to make the rich richer for something meaningless.
I will say insurance companies can be very quick to fight you when it comes to giving out money. Keep at it and you'll get something, but considering how long you can pay them month to month without using it, it's obnoxious.
Except health insurance. Health insurance is a fucking racket, the medical industrial complex it ties into is a racket, and the United States would be a better place if it gutted this system