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thoughts on term insurance/life insurence/ health insurence/ other insurances of this sort?

I am new to adult life but i personally find them very sketchy and screaming of a scam?
- Like if I die right now, do i expect some 3rd party to whom i just started paying a few dollars per month to give my family 100x that amount immediately?

- firstly, how can i ensure this , i have just died and my family would be in shatters(I guess) , they won't be having some worldclass lawyers or mental/financial power to fight over a dead guy

- secondly am guessing they are all about specific ways of dying, current salary, whether the family can survive on their own without that insured guy gone, etc etc. so basically everything they could make to not shed some money. So why bother? I am currently in a situation where the family is working on 60-80% of my income. but even with me gone, they can survive if they want. its human nature of survival, that's what made us come out at the top of food chain. so doesn't that make the whole point of insurances moot?
- thirdly how can someone guarantee a fixed income 'after death' when my current income itself is not 'guaranteed' , when 'alive'? here comes another pandemic, or some recession, and behold, am fired from my job. the. how come those companies guarantee an income in such crisis? Last time i checked, it was just an ugly civil war between insurance companies and common people when covid suddenly hit fatally to a lot of families. these guys were coming up with new rules and legalities to get away from paying to the families of deceased.

health insurance does somewhat sound okay, but at the same time feels like even bigger scams. in a nutshell, every health policy is like : "we will cover 50-100% of any major operation/doctoral procedure that costs x amount and is prescribed by a doctor if you keep paying us 0.1x amount every month for your whole life"
I see 3 problems in this:
- PRESCRIBED BY DOCTOR? obviously a doctor is a godly person that can prescribe a genuine operation based on a person's situation, but this whole payment based on word of mouth screams of shadiness. if someone said that "hi you are a technical expert. we won't pay you directly but whenever you are going to work on something for someone, we will cover your fees and your tools's cost that you tell to that person" . nice, am now recommending aws's most expensive ec2 instance to every mf that comes to me for an frontend issue.
- why do we need to have such procedures that will cost so much? where is the concept of subsidiary? What is the point of having an awesome technology like CT scan or MRI when no person could afford it? I know even water comes at both Rs 20 and Rs 250 bottle, but the rs250 bottle is a luxary, not a necessity . if a few people want rs 250 bottle then they can have it, hell they can have it in a gold platted bottle and pay 2500. but the underlying material is available to all for affordable price(if not free), right?

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Well that's all my little rant. I am intrigued by the business models of these fear mongering devil insurance companies. so would like to know your opinion on instances where these companies are correct and its beneficial to take an insurance