You are attempting to make an argument about usage, changing the discussion and therefore the logic behind your smackdown in your original attempt. Your second point was factually incorrect which I pointed out. Please, rebut my counter to your post with facts. Calling it dumb is simply as admission you have no other argument.
His metaphor was not that of usage, but as a comparison for the requirement. My comparison was that of requirement. You made a horrible and logically incorrect analogy. The facts you presented were debunked. Had you stuck with your first point only the argument becomes theory. I am not challenging you on your theory, but it was not relevent to his point.
Now, if you want to argue usage, here is a more relevant discussion.
If you don't often use doctors, no need to pay for insurance. You pay when you need to pay. If you don't own a car but instead choose to rent as needed, you pay for insurance at the time of rental for the period of use. Do you pay more in those instances, of course. If you have an accident and didn't pay the insurance you pay for all repairs. Same as healthcare.
You don't like the argument, make a point that includes more that name calling, if you are capable of such actions.