Because the insurance industry is an intangible service industry, it generally can't play a role. Only those who buy insurance can get part of the protection provided by insurance in the event of an accident or illness, so only some people who agree with insurance have long-term vision, but only a small part. Then why can insurance companies make a profit? Only by concentrating more funds can they guarantee the compensation that the insured needs after the accident. The more people pull, the more people may buy insurance, and insurance companies will concentrate their wealth. So they want to pull people's heads.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.