Imagine a new casino opens in your street. For curiosity's sake, one afternoon, you check it out.
After having adjusted to the usual smoky atmosphere, you discover that this casino offers just one single game. To take part you pay a monthly fee of 10 €. Next, you choose a number between zero and one million.
For as long as you pay the monthly fee, every weekend, a giant roulette disk is turned to determine a random number. If your number shows up you win as much money as your current house is worth. Despicable gambling?
Yes, but now imagine that whenever this number shows up (and only then) your house burns down. Now it's an insurance.