One is that there is no concept of medical examination and insurance, and the other is the sequela of being cheated (it has become an instinctive habit to go to a medical examination and say that you are sick and spend a lot of money and be cheated by some unscrupulous salesmen). When it comes to insurance, it is deceptive, that is, insurance salesmen expand insurance liability, and if they really get out of danger, there will be insurance fraud caused by non-payment. Thirdly, economic reasons and luck psychology.