Well I guess I'm fairly unique then. I quickly analyze up to ten side effects for all situations I do on a daily basis (from what to eat, when to leave, what card to throw during cards, etc). Almost treat life like a chess game. And it doesn't bother me in the slightest on any emotional level, nor take more than a few (well, under 10) seconds to a minute. On any given day I play out almost every imaginable situation while talking to someone. And there's no fear of anything from it, things happen, you can't stop that; but you can influence the end goal.
But with things that matter, it's more important to seek out the side effects before acting -- if you don't you'll end up with, well,
Car and human insurance is similar in general function, but the items they cover operate completely differently in similar situations. A car costs a lot more to get replaced if it's new than old. A human's medicine, doctor's visit costs the same no matter what the age, weight, or smoking status (overall, exceptions might be raised with complications, but assuming it's the same condition). Have different models of a car (or different years in some cases), and you'll have different prices even with identical damage because the parts aren't the same.
Based on your comment about insurance, the same can be said for loans, business startups, new project development, changing jobs, attending college, or even having children (well, not rates so much directly, but it does alter your tax rate). It's just a general comment that fits to cover many things (well, the word "rates" would have to be changed to fit better with some things). They're all just risk factors, projected costs, and rewards that are analyzed to get the best return for the least expense.