Yeah I went the other route. Spent nothing, simple life. Work, basic diet, excercise and save everything. Bought first house mortgage free. Took a long time and house was small. Development generally used for second homes. Staged up from there and kept mortgage free. Guess I missed important detail for most as not something in my world. And all these insurance companies have multiple product lines and all backed by reinsurance? So millions die from dodgy injections, millions disabled, lots of people claiming on home insurance after building in stoopid places like flood plains and then all this extra cost gets put on home insurance premiums? Peak FIAT fuckery 🤮