If you have car insurance, you are planning for the possibility that some jackass might run in to you, because Lord knows you are a good driver. You are betting you will die before your policy expires and your family can cash in on the big bucks. You're betting there won't be a piece of bacon hiding in the bush on his copper-cycle just waiting to pull you over. You know, everyone needs a vice. We all need something that is semi-evil to pass the time and satisfy our sinister sides.
Vices are like an open window in a burning building.
They are incredibly inviting and they let you poke your head out of the madness of reality for a moment to catch a breath of fresh air. Only problem is, typically, once you have moved away from that window, the fire seems to only be stronger. Hence, the reason the alcohol, gaming, tobacco and illegal drug industries are doing so incredibly well in this weakening economy. People are trying to break the window and jump out into a world they think is better, safer and easier to handle. Only problem is, usually once you jump out, you'll never get back in, and the crash below is far worse than the fire inside.