Yes, we all think that this would be much better.
In life you can get away with buying some cheap stuff.
Cheap wine might not taste to great and may even make you ill, but it is unlikely to cause any long-term effect on you. Drinking cheap wine will also not have a huge impact on you or your family financially.
But some things like insurance can have a huge impact and with products like insurance you may not know how bad it is until many years later.