Seeing your other (rightfully flagged) reply I want to tell you as a neutral party that yes this is missing the point of the analogy. You're basically saying "I would simply hit the brakes on the trolley". It's not that they're so hubristic they think it's impossible to legitimately disagree with their argument, it's that mentioning insurance is sidestepping their argument entirely. You're not addressing the general idea of getting hacked and suffering the consequences of the hack.