Yep, we're all gonna make it. We've learned the ropes and we believe we can perform in this arena. Something like the joker, except in reverse. It just raises the price of the game. I'll get off the gambling analogies and get to the point.
Insurance companies are in business to make money.
The commercials and ads may present the theory that insurance companies actually care about your welfare or economic future but that pretense has long been suspect and doubtfully substantiated at best. Insurance companies do not stay in business by paying out more in claims than they attract in premiums. There has to be money left over to claim a profit and stay in business. Samantha's parents had very good insurance at the time of her birth. You live with it.