You already know everything I'm going to explain in this post, but I need to say it anyway.  It's beyond
obvious, but apparently, some people just don't get why insurance is useful.

I was in a deli the other day waiting for my lunch to be made and there was a woman waiting next to me.  Through the normal small-talk, I mentioned that I work in the healthcare industry.  She immediately said, "I've never had health insurance and I'm never going to."