You are an individual. You are not an average. The average is entirely irrelevant for you.
The calculation you need to make is "how is MY life effected by this decision".
If you choose to pay the small insurance amount you probably won't even miss the money in your day to day life.
But when that unexpected event happens, one version of you can come back strong while the sucker can console himself with the thought that the average human is at least being happy.
The calculation you need to make is "how is MY life effected by this decision".
If you choose to pay the small insurance amount you probably won't even miss the money in your day to day life.
But when that unexpected event happens, one version of you can come back strong while the sucker can console himself with the thought that the average human is at least being happy.