I get what you're saying, but at 29 what would I have done with life insurance? I had no spouse or children. It seemed like all they were asking is a way to opt out.
True but at the same time, Google has all sorts of weird perks that we can't opt out of and essentially pay a tax for.
For example, some parts of campus have swimming pools and endless treadmill pools. I don't swim so I get zero benefit from this. Meanwhile these things definitely cost some amount of money to service and maintain. We can't opt out of that.
We can't out of Google throwing massive holiday parties that I don't think are a lot of fun.
In the end, it's just kind of a package deal. Given that Google comps relatively well, the point is to just be happy with the money you are making and not stress too much about optimizing <$1000 at a time
