Yeah, I talked about how assets are different than things we need, like health…

The original comment references luxury assets like supercars. In the USA, the average adult needs a car of some sort to function in society, and often cannot afford the unplanned purchase of a reliable used car (let's call that $15K). Collision insurance that will cover most of the cost of a replacement car is a reasonable value for many people, and the insurance company doesn't have any special leverage like access to massive discounts on replacement cars (they may have access to modest discounts on repair services, but nothing like what health insurance has).

You just don’t understand it

I think I made it pretty clear I understand that for-profit health insurance is a scam because providers overcharge anyone who doesn't have it to an extreme degree. That's not the case for pretty much anything else.