a loved one resulting in financial ruin for the family that could of easily been prevented with Life Insurance for a few dollars a month. Also you have probably never experienced the same financial devastation form a long term care stay or people not understanding Medicare and making a poor choice which end up leading to bankruptcy.
The list goes on and on and I could bore you to tears with story after story from my career. Underinsured, and overinsured, people suffer in ways most don't understand.