This is incoherent. I literally don't know what you're responding to. Charity? Subsidizing others?
It really sounds like you're arguing against the entire concept of insurance here. The idea of managing risk by pooling it dates back to the 14th century; if you want to argue against it, consider time travel.
As to your second graf --- again, what are you talking about? Oil changes don't mitigate the risk of car accidents, which is why your insurance company will give you a break for not getting tickets or driving a safer car, but won't give you a break for changing your oil.
It really sounds like you're arguing against the entire concept of insurance here. The idea of managing risk by pooling it dates back to the 14th century; if you want to argue against it, consider time travel.
As to your second graf --- again, what are you talking about? Oil changes don't mitigate the risk of car accidents, which is why your insurance company will give you a break for not getting tickets or driving a safer car, but won't give you a break for changing your oil.