>Mortgages and car loans can be seen as advances on future income

I'm against those as well. Buy stuff after you can afford it.

>Insurance is a way to split a risk from a property. For example, if I own a house there’s a risk it burns down. With fire insurance, you keep the house, but the insurer takes on the risk, in exchange for a fee.

I'm against insurance companies too. Have a public insurance fund instead.