No that’s just risk assessment.
Gambling is things like blackjack, slots, poker or any kind of insurance.
Insurance is by definition not gambling. It is only indemnity. The reality is that without insurance you are gambling that you’ll get to keep the money you didn’t spend on insurance and not be financially ruined.
Insurance is gambling because I’m betting that if I get cancer I get a payout larger than the amount I wagered by buying insurance.
That’s not how health insurance works. You would never get more than your medical costs and would almost always get less.
A risk assessment is a normal part of gambling. You’re just describing games, like the one you’re playing now to rationalize your gambling with your own life by avoiding getting any sort of health insurance.
A deck of cards or a die are normal parts of gambling too but they aren’t intrinsically gambling either.
They are when you bet something on the outcome— ya know, gambling… like how you risk both your financial future and your life when you choose to not have health insurance.
