Because this is a double sided question.
What if that NEVER happens, but hundreds of thousand are paid for my premiums?
Like I said, it's a lottery situation.
You make a big deal because there is a slim chance that I may have a catastrophic accident. Yet, you conveniently ignore the actual situation where my premiums are going towards paying the health care for people are smokers, heavy drinkers, drug users, sedentary, overeaters, and generally unhealthy due to their own decisions.
Why don't we have health insurance based on our actual physical condition?