When my husband was laid off, that isn’t a behavior, just how life deals us a hard blow at times.
I don’t know about insurance and accidents. Even though we did file Bankruptcy, we’ve never had an accident or any insurance claim (home or vehicle).
It seems a lot of these ideas are based on stereotypes.
I have no clue about the statistics. Why is it I never get polled for these things? LOL! 🙂