If there is a will there is definitely a solution. Even though some people's income is only enough for their daily needs, if they can set aside a small amount of their income to save then they will definitely be able to pay the monthly fees. It all depends on the level of desire of each of us and how we look at the future.
Indeed, we cannot know when something unexpected will happen to us, that's why we are always alert or we have to protect ourselves with insurance. If we only have enough for our daily needs, I think it's a bit too hard for us to protect ourselves from insurance. It's best before we choose insurance to plan our finances carefully. In this life, we know that there are unexpected costs, whether it's any costs, you have to set aside these costs, at least to take care of you protecting yourself
If we haven't been able to have insurance that can provide us with the things we need, of course we must always be careful in everything so that it doesn't cause us difficulties when we need something that we can't fulfill and we don't have insurance and for some people who still difficulties in meeting their daily needs of course they will be very unlikely to think about any insurance and I agree with you that it would be better for us to have good financial planning first before trying to have insurance and choose to save for our own needs first. unexpected, of course this will be very good and when we need these unexpected needs then we already have them even though it is not the same as insurance.