Insurance isn't actually gambling and the legal frameworks they operate under are very different. They have common features mathematically, but they serve very different economic and commercial purposes.

An interest in making money, you mean?

I had an insurance salesman tell me stories of how farmers/speculators insure crop against loss and how some people buy policies for the explicit expectation of profiting on bad weather years because the policies are quite inexpensive.

That's why I argue and can debate #3. I'm not an expect, I don't know how it works, this was a waaaaay ago (2015.)

So, you know, my personal anecdote changes perspective and that sort of mindthink.