I don't really understand the point your are trying to make? You state that "insurance is about pooling" then correctly observe the dollar amount they charge you is just some sort of risk rating assigned to the individual.

Also if you ever have a large claim paid, you'll quickly discover it isn't about pooling at all. Every insurer will simple decline to quote you or simply quote you some insane price. Even without accidents I once got a quote that was obviously a response of "please do not purchase this policy" when I tried to get basic liability insurance.