I don't need homeowner's insurance (never had my house burn down before), don't need to screen for cancer (never died from cancer before); don't need to look both ways before crossing the street (close, but never been hit by a car while walking). WOW, there are plenty of things I don't need.
Why put in slugs when you can cut out the fuse holder and straight wire the circuit? If something does happen, be sure to cover up the evidence so you don't lose your insurance coverage? Oh, I forgot, you don't have insurance (don't need it).