Interesting approach in your post, I think that adversity is part of life and the important thing is to cultivate ourselves to handle these situations, there is something that cost me a lot to learn and that is to live in the present giving the best of me (it was an experiment) to see favorable results and a positive attitude helps me to live in welfare...
Insurance was designed to minimize the economic impact of fortuitous events that may occur during our lifetime (solution).
The biggest lesson is that looking for certainties in uncertainty is a waste of time, there are no guarantees for the future (my experience)... a hug!