This is presumably why most pure dental insurance plans, at least here in the UK, are effectively closer to (pre-)payment plans when you factor in the premium-to-cover ratio.
I have worse teeth than average, and even with payouts that would be far higher than average, I've yet to see a dental insurance plan in the UK that'd be worth it to me. For someone with a lower pain threshold for what they can afford to pay out of pocket, however, they can be marginally useful.
But for most people in that situation it'd likely still most of the time be better to take a (small) cashflow gamble and put the equivalent of the premiums into a savings account each month.
After the first few years, odds are you'd have built up enough that your savings would cushion you more than most dental insurance solutions on the UK market at least, other than accident insurance.
If I were to consider any dental insurance, I'd look for one that mostly excluded most things other than higher-payout accident insurance, as the ratio to premium vs. cover for one set of UK plans I looked at was ~1p/year per 1 pound cover and reimbursement of 100% of your costs vs. ~25p/year per 1 pound cover w/only 50% reimbursement + additional restrictions for non-accident treatments.
They may just not.