People who are required for one reason or another to have insurance. Not all of us can afford to self-insure but must have insurance as a condition of a mortgage for instance.
Taking a mortgage is a choice, not a mandate. Dodging responsibility for our own risks is a choice, not a mandate.
The bank doesn't have to loan us money, and the insurance company doesn't have to accept our risk. Thank goodness they do so anyway.
It is because of them that our lives are as good as they are. I suppose we can be ungrateful and thankless, but; they certainly do not deserve such vitriol.