Paint your home every summer?

From Just One Minute, a bit of clarity...

...To illustrate my concern with an example - homeowner's insurance covers catastrophic losses because they are infrequent and (for most of us) unaffordable. An easy way to think about it - homeowners each put aside a small amount in a reserve which is paid out to the rare unfortunate who experiences a fire. This turns a large, unpredictable, unaffordable expense into a small, predictable one.

But homeowners insurance does not cover the cost of re-painting the home - that expense is predictable and affordable (or not). Furthermore, if it were covered by insurance, there would be a tendency to "overconsume" - some people would change the color of their home every summer at the expense of the other participants in the "paint insurance" pool.

Similarly, auto insurance covers accidents but not oil changes.

Yet health insurance is in crisis if folks don't have coverage for routine visits to the doctor?....