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“Insurance is a SCAM!” - Wrong. Insurance isn’t a scam. You just don’t understand how it works. What it IS: Risk transfer. Pay small amounts so disaster doesn’t wipe you out. What it’s NOT: Savings account, lottery, free money. Why you think it’s a scam: “I paid and never claimed!” → You bought PROTECTION. Be glad you didn’t need it. “They denied my claim!” → Read your policy. Were you actually covered? “I could’ve saved the money!” → Could you save $2M by next week if you died? No. Real talk: N
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