I myself cannot deny what you said about insurance, that nowadays there is a convenience available named insurance to cover everything we can experience and can be protected with insurance that pays, is something that happens and helped again we have to do without.
But sometimes paying for insurance, of course, requires a special fund that can be taken from the income, but if there is no more. But course, it will be difficult to pay the insurance premium. The state should step in to help those who can not afford the insurance premium.
In principle, insurance is very important and should be taken by us as this will help in unexpected difficulties.
In my country Indonesia, the government has helped with insurance, but only limited to health insurance. Even though the funding source comes from community participation itself, the fees charged are not too large, which really helps people in my country to get free medical treatment. It might be different if in other countries the price of health insurance has to be paid quite expensively every month and each family has many insurance priorities that they have to pay for.
In my opinion, if have difficult with financial condition prefer for paying healthy insurance only and forget with other insurance such as vehicle insurance or property insurance. Choose the insurance have lower payment although get not bigger service how to manage with our financial condition, during recovery most important thing its not problem with medium or small kinds of insurance.