Why? I mean we at far from free market insurance. But why debt?

I can see that. Both is something that burdens poor people a lot.

It is fiat banking in reverse

It's haraam in Islam anyway. Just like gambling and interest.

Insurance is a scam. These companies will charge high premiums then fight you when a payout is needed

No kidding

It‘s a scam

Just think on how many insurances are mandatory!

yeah we need to trust God and not policies

It's certainly leverage