Auto accident liability self-insurance with a large enough escrow acccount (which can still be invested and is yours). You'll also get a fancy small window decal, at least in CA, telling the world this fact (self-insured and registered to the state)<p>It's not super-rich, but I've only seen people with net worth >$2 million do this
Blood. </sarcasm><p>Lots of little things. I have real-life experience with Terry Pratchett's Boots Theory. (I don't know if it had another name.)