You clearly have your mind made up on insurance as it applys to your situation.
This post was not about whether a person should have insurance. It Was about cost. If you have a few hundred dollars in guns, just like an old car it might not be worth it to get collision coverege.
Your example on the car insurance commercial is based on an insurance company not paying you what it is worth, not on a deducible.
For myself and others that might experience a substantial lose, insurance is a necessity.