I agree. That is why we have car insurance. We don’t have it to replace the brakes. I personally favor the idea of a voluntary fund that people who wish to contribute to can to help others as well as themselves in the event they need it to provide an offset to a catastrophic need. Even a non voluntary fund would be better than what we get with Obamacare.
and if you don’t have a car, you don’t have to buy health insurance, and you don’t.