Again, gambling is the creation of risk. Insurance is protection against a hazard (i.e., possibility of loss).
Also, insurance does not exist so its policyholders can “win,” but to restore a policyholder to the position he was in immediately before a loss. In gambling, the whole purpose is to win, to come out in a better position than what one was before placing a bet.
Both gambling and insurance are balancing acts of risks and rewards. For “win” please interpret “receives payout”. Are you prepared to argue that insurance is socialism, notwithstanding my comments above to the contrary? What is/are the flaw(s) in my argument that insurance isn’t socialism?