I was making no implication in regard to why people do not save the money, releasethehounds. There are a lot of things in life that can decaminate someone's savings that are unrelated to fun. My point only is that the money put into insurance is money that a person can't access later for an unrelated emergency expense, and many people find that beneficial.
It's their money, I don't really care what people spend it on, but concerning other things than "fun" that decimate savings, well those things decimate your ability to pay a 50 dollar a month premium.
My guess is if people find themselves unable to put 50 bucks in savings, they can't put 50 bucks towards insurance, unless of course an insurance bill forces them to spend less on "fun" stuff, in which case, they could save too because it's there for saving, but they choose to spend it on other stuff. Which brings me to my original assertion, that spending is more fun than saving
For they guy that got tens of thousands in coverage on a trial period. think of all the people that will pay 5 fold their medical bills and get nothing for it each year for the life of their dogs, it's how this stuff works.
I think money should always be a consideration, otherwise nobody is faced with a decision. Intervention and more invasive and expensive intervention isn't always the best answer and by NOT having to consider all the variables, it becomes very easy to just "do more" because "insurance is paying for it".
and that is the trend, we have 40+ years of real world data showing how insurance changes attitudes in not only consumers, but providers. It increases not only insurance costs, but overall costs with everything associated to it. I guess I just like to able to afford my vet care for my animals and hate to see the day that a simple vet visit with minor blood work to actually doctor a problem out for 100 bucks or so goes poof, in favor of the overly expensive "insurance" discount card type system we have in human health care.