if there is a fire at your workplace or a valuable item is stolen, you can compensate for some of your loss with insurance. There is always risk, so I think this type of protection is very important.
You're right, if someone saves money through insurance, this is a great option it will always be in danger. I will give insurance the most priority because most people in my country save money through insurance and my family also saves like this and use it in danger. However, at the present time, if you look at it, it is understood that not just by insurance. Investing through different currency can also get good return in the future. I always focus on top coin. Because most people are suffering the loss in the present time, it is not possible to invest in Bitcoin. Because no matter how bad the market is known, Bitcoin must be able to get out of that bad situation. That is why insurance should be investing in different currency as well.