Whether or not to get insurance should have nothing to do with what makes one sleep
This (and much of the rest of your article) seems needlessly disdainful of people’s emotions.
Wealth does not equal happiness!
If it did, then yes, 899 < 900 so don’t buy the insurance. But in the real world, I think you’re doing normal humans a big disservice by pretending that we are all robots.
Even Mr. Spock would take human emotions into consideration when giving advice to a human.
I’m curious what kind of scenarios you’re thinking about. Having actual control, yes, that could be important. But having 0.001% of control of Google does not seem like it would have any effect on either Google or me, under any scenario.