Life insurance is often purchased with good intentions: to protect loved ones, cover debts, or secure a legacy.
Many people fall victim to these misconceptions in the quest to save money - such as not buying a red car because they think it will cost more to insure.
Some drivers in Uber may think that getting their insurance is unnecessary, mainly because they want to avoid additional costs for the insurance premium.
The "positive thinking" approach, that's so popular nowadays, is often banalized in everyday life, to the point when thinking about less pleasant situations may easily be characterized as pessimistic.