Everybody in life is struggling for power, and some people use morality and righteousness as a weapon, while others use different means, even passive aggression. From a distance, we are all fighting, and I am looking at this from a distance.
People need to be insured so when you have an accident out there, or when something catastrophic happens to you, that you're covered and there's not someone else has to pay for you. That is as simple as that.