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Well, duh! People who do not have car accidents pay to fix/replace cars for those that do. People whose homes do not burn down buy new ones for those whose homes are destroyed. Etc. That’s how insurance works. It’s also how taxes work. My taxes pay for schools for the kids I do not have. My taxes repair roads I will never drive on. My taxes pay for police who have never been called to my house (so far). Etc. But we never know when we will get sick (or just need an annual checkup), when our homes will be destroyed, when we will have a car stolen or get into an accident. My son and I did go to school many years ago, so someone else paid at those times. Etc. It’s called living in a society.