We are afraid of the wrong things
We pay for medical aid because we are afraid we might get sick or be involved in an accident and not be able to afford the medical care we need at that fateful time. We pay for security companies because we are afraid of losing our valuables to thieves.
The wrong things are the source of our fears. We are afraid of accidents but accidents are a result of some wrong doing. If it's a car crash, there is always a party that is wrong a car that malfunctioned causing the accidents.
All of the things we fear are a result of wrong things.