I carry life insurance, even though I never really expect to use it.
I carry health insurance, just in case.
I lock the doors to my house, even though I really don't expect to have a break-in.
I (as does my wife) keep our car doors locked even though we don't really expect a car-jacking.
I have decided to to carry another type of "life insurance", even though I do not expect to use it either.
