Just say no to having a car. Then you'll never have to worry about insurance.

Just say no to playing sports. Then you'll never have to worry about injuries.

Just say no to going outside - you'll never know when a crazy fuck is gonna attack you.

Just say no to (insert hobby here). Then you'll never have to pay money and invest time in maintaining that hobby.

Your logic is flawed. Get off the internet until you can think things through coherently.