Has anyone here ever opted out of Medicare Part B?

[RILib]

15. how about if you get hit by an uninsured mototorist driving a car

This reminds me of a conversation with a coworker years ago. He was saying his wife did not need outside the home work skills because she was going to raise their kids and their marriage was going to last forever. I said at least be insured up to your gills. A year or so later when he was changing jobs, over the weekend when the life insurance from one job had ended but not yet started at the new job, he died of a heart attack and left the unskilled wife and 2-3 young kids and no insurance payment.