Your mental faculties are not very well developed, it seems. Card counting is a skill. You gain an edge by being good at a simple game. You have direct influence over the outcome. Ditto the usage of credit cards.
It is in no way comparable to insurance. Your only influence over the outcome is to commit fraud (which is in itself a massively -life EV proposition). You are at an unbelievable information disadvantage, because the insurance companies are the ones holding all of the cards and have counted them thoroughly.
You have not actually posited a way to gain an advantage in taking traveler's insurance. If it were a skill issue, you would have elaborated on the skills required to do so. Instead you simply suggested that having traveler's insurance at all is a skill issue, and when called out, deflected to completely irrelevant topics.
It is in no way comparable to insurance. Your only influence over the outcome is to commit fraud (which is in itself a massively -life EV proposition). You are at an unbelievable information disadvantage, because the insurance companies are the ones holding all of the cards and have counted them thoroughly.
You have not actually posited a way to gain an advantage in taking traveler's insurance. If it were a skill issue, you would have elaborated on the skills required to do so. Instead you simply suggested that having traveler's insurance at all is a skill issue, and when called out, deflected to completely irrelevant topics.