I know you're being somewhat flippant with this question, buy I'll bite.
So you -did- use your insurance this (and every) month. You didn't-claim- from insurance, but that's incidental.
Insurance exists to give you peace of mind (or more technically act as a hedge against your risk). You got that benefit/peace/hedge so you used your insurance.
Now, if we take this thought, you could argue that Netflix isn't there to provide "show x" which you may, or may not, watch. Rather its there yo provide you with the -option- to watch show x. Whether you watch it or not is up to you.
I feel this comparison is not equivalent though because risk is very real, while selling a "Netflix option" seems very contrived.
So you -did- use your insurance this (and every) month. You didn't-claim- from insurance, but that's incidental.
Insurance exists to give you peace of mind (or more technically act as a hedge against your risk). You got that benefit/peace/hedge so you used your insurance.
Now, if we take this thought, you could argue that Netflix isn't there to provide "show x" which you may, or may not, watch. Rather its there yo provide you with the -option- to watch show x. Whether you watch it or not is up to you.
I feel this comparison is not equivalent though because risk is very real, while selling a "Netflix option" seems very contrived.