[单选,材料题] _________

根据以下内容，回答下面的题目。
Insure means to protect _51_ a loss of money．Most people can budget their money so that their income will cover expected expenses _52_ food, clothing, housing, and public services．But, there is no way to know _53_ who will suffer a crisis (危机) such as a serious illness, fire, flood, or a car accident．Such crises usually _54_ great expense．Even if people could predict crises, it would be hard to save enough money to _55_ the expenses．Insurance is a system _56_ a company collects money from many individuals and then pays certain expenses whenever one of those insured individuals is faced with a certain crisis．An insurance policy _57_ how much the insurance costs and how much the company will pay when a policy holder is faced with a certain crisis．There are many different kinds of insurance, _58_ hospital, motor-car and fire．Insurance can be rather expensive but most people buy insurance of some kin
D．Insurance is something _59_ people buy and hope they will _60_ need．
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