My parents made me suspicious of insurance. They weren’t necessarily optimistic people, but they just felt they could handle bad outcomes themselves and didn’t trust that insurance help with be forth coming in the event of a disaster. They were mistrustful of those who were selling something for the “what if” scenarios of life. I think they understood numbers and felt that if the chance of a house fire was 1/10,000 then it was unlikely to happen to them so don’t get fire insurance. So far, so good.