Personally, I think it is better to engage in insurance. Although everyone buys things together, insurance is the guarantee of risk and the value for money. But financial products are not necessarily. For example, securities and futures are very risky. The buyer is likely to lose money. But insurance is different. Even if you buy investment-linked insurance, although the risk is greater, it still provides the minimum protection of life insurance, so you won't lose all your money. Insurance is a strong point to deal with risks. So I think it is better to engage in insurance, after all, it can bring certain protection to others.