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will have to spend money on other things beyond damage claims

Isn't that what the government does with everything else? I don't understand why this is a special case. They already take in a whole lot more taxes than they give out in services, and that's fine. It's understood that there's an operational cost. But insurance, as it stands, is arguably little more than a mandated expense for the great majority of people.

Instead of being mad that you paid

I'm not mad that I pay for services. I'm upset that people are being denied claims, that not even a fraction of the money that had been paid for decades is available for other kinds of emergencies or basic needs because it's a money sink where it all disappears under the pretext that you may need it some day under some specific circumstances as outlined in the fine print, that it's mandatory to buy into this system, that it's being touted as a necessity without giving a chance for alternative systems, and that the execs do everything in their power like raising premiums over bullshit solely for profit at the expense of people's lives. There's really no need to excuse this system as it is.