Same as me, I never use insurance on BJ either and I agree insurance sucks the life out of gambling, if a player don't have the guts to go all in without insurance then he should just quit gambling once and for all.
And I think it can be abused also using shills, doesn't really helps the site in anyway either.
I once held this view too, and it largely came from a prejudice arising from lack of experience.
And then I found myself in China, with a shitty internet connection, and the only games available being local poker rooms.
And the insurance aspect drove me nuts, because I didn't understand it, KNEW it was -EV, blasphemy to 'pure' East Texas poker, and it slowed the game down something awful. But in time I realized people were playing their hands differently - they were shoving earlier, either for value or bluff, due to the availability of insurance. Once I figured this out, and began playing this new game, I began crushing like never before.
And I met professional grinders, both in person and online, the guys who can't be bothered playing rinky-dink btc sites, and the handful i spoke to all concur: their profitability is higher with an insurance option.
Right now there are at least a dozen generic btc poker sites, offering absolutely nothing unique - just generically running freerolls while they cast about looking for a means to increase traffic. A few sites have given up and are for sale. I'm just thinking one of these sites might want to give this a try, rather than giving up altogether ...