i didn't say it was their fault. but i did say that it's not fair to force a huge group of people to buy insurance they overwhelmingly dont need and prevent them from actually using that money
yeah we should just make a time-travel device so we know whats gonna happen!!
its not like the money is wasted either, its still going out to help people who have been in accident or whatever (i guess people who dont want insurance really hate helping others)
or you could save $100 a month for 10 years, invest it at 12% interest, and have $23500 or so which would give you around $225-$250 in interest a month to pay your premiums when you're in your 30s
so what happens if i get in a car accident when im 25? i guess im forgeted then lol. the whole point of insurance is to spread the cost among all those who are involved and having only people who need it involved isnt gonna work (hope you understand that)
and find me one US bank that offers 12% interest on savings lol