> but generally people don't make enough for that to be worthwhile.

Yes you do.

But it doesn't have to be a zero sum game anyway. Both you and the insurer could be better off.

Life insurance is a dumb idea. But if you're human then sometimes dumb ideas stress you out. So to pay to lower that stress might be worthwhile.

But it's complicated. If you have a fire in your house sure it'd be nice to be insured.

But OMG you house just burned to the ground, you might have died, what if it happened at night, something way worst might have happened.

Your energy is better spent on fire proofing your house. You should never plan for events where you might die, you should reduce the risk of dying. If you really think theres a chance you house might burn down, perhaps you should move houses. That is more logical but less human.