I didn't. You don't buy insurance because you're afraid, you buy it because it is a prudent thing to do against the fortune reversals. It's as simple as that especially in the country with crime rates like in America.
Dude. They are afraid. Its palpable. On many levels. Not just guns.
They fear their own government. Federal, State, and Municipal. They fear the other Party and its voters. They fear the Surveillance State. They Fear their cops, they fear their justice system. Hell they fear their frickin HOAs. Men fear the Family court system.
They Fear losing their jobs instantly due to labor laws, due to loss of Medical Care. Due to fast foreclosure and eviction.
They fear other races. Both within and without. They fear invasion, they have been at war for all but 16 years of their existence. They fear loss of place, of not being "#1". They fear their own citizens, while creating the issues for doing so.
They fear God.
They fear they aren't keeping up with the Jones. They aren't the latest style, their teeth aren't white enough, the house isn't big enough or filled with enough stuff. They fear being looked down upon.
And in all cases they fan those fears for profit and graft. Corporations, the media, individuals.
That is the reality if America. No one is fearful of all these things, but they are all fearful of enough of them.