Your post reminds me of Ned Flanders on The Simpsons. He wouldn't buy insurance since it is a gamble as to whether it pays out.
We shouldn't think of gambling as good/bad, on/off, or white/black. There are many shades of gambling. Gambling should be thought of with more of a risk/reward mindset.
- There are different expected "reward" levels. Gambling in a casino, on average, leads to you losing money. Gambling on a better job, on average, leads to you gaining money. People should gamble on things that have a positive expected outcome. Gambling in excess on sports to the point of being broke is not what we want. Gambling to pursue a new idea / business / etc is what we want.
- There are different expected risk levels. It is a gamble with your life to drive to work. But, the chance of you dying on the way to work is quite low (but non-zero). The chance of you dying from starvation if you have no food is nearly 100%. People shouldn't be overly concerned with ultra-low risk gambling unless it is done to excess.
- There are different severity levels. The severity of harm of the cost of homeowners insurance is noticeable but small (if it costs you too much, then you bought too much house). But the severity of not having insurance and your home burns down is quite severe (it is the primary source of wealth for many people, not to mention the devastation of having no where to live and no way to replace it).
I read a study once where ant colonies need a small percentage of gambling ants that wander aimlessly. If no ant wanders and all ants go to their known food sources, then the food runs out and the colony dies. If all ants wander aimlessly, then few get food and the colony dies. Only if a small percentage of ants gamble by wandering aimlessly will the colony thrive.