As I said, I self insure. Call it a reserve or whatever word you want. In any case, I have funds set aside far in excess of the typical insurance policy coverage limit in Thailand. That's what many people who can't get insurance do.
Yes, of course. As I said, many of us self insure--keep a very substantial reserve of cash available to pay for any emergency treatment needed. But keep medicare as an option.
Short term trading is just gambling. The only way to make money on short term trading is to write a book about it and sell the book to gullible people.