@OmSigDAVID,
Amish act as a collective, the ide to buy insurance wouldnt occur to them because of their belief in their communities ability to assist and help out rebuilding. Its maybe a hard concept for us to fathom but, in my several discussions with my Amish neighbors, they like it.
They are more apt to break some venial rule like getting drunk or keeping a cell phone than they would cross their rules that require them to believe in their community.
If you ever have a chance to interact with Amish in MAryland, Id suggest doing it for they really have no concepts of "individualism" or"Im a real success".
Youll think that you are having difficulty getting strait answers to questions until you recognize thatA,ish process information much differently than we.