So you’re self employed which as mentioned above is not the general case. You made it sound like everyone has to pay the same amount regardless of income which simply is not true.

You’re aware that you’re talking bullshit, yes? Insurance costs is a percentage of your income and it’s most certainly not almost 1000€ for everyone. If you’re paying that much for insurance and your income isn’t sufficient you might want to budget better (it should be at least over 4000€/month after taxes and insurance). This, of course, regards employees and general insurance.

If you’re self-employed and insured privately things are different but this is only about 10% of people. So it’s most certainly not a very common issue and obviously not the general case.