> Well, then any insurance is also gambling

It literally is. You're buying a YES token on a black swan event that pays you if that event happens. The entire American system is built on gambling, and that's my point.

If you want, and you're good at math, you can even buy such insurance from Kalshi. Hell, if you're worried about an alien attack, you can buy insurance against that on Kalshi by buying the $0.05 YES for that. If aliens attack and mess us all up, you get a payout of $1. You can insure yourself against politics, against a market crash, against war, lots of other things. See my point? Insurance IS gambling.

BTW, there are other countries where healthcare is almost free and you don't need to buy insurance.