If juliet consistently buys health insurance for twenty years but never suffers a costly illness, were her premium payments wasted?

Initially, northerners did not want missouri to be included in the union because 1.) maine would not be allowed to enter the union as a free state 2.) missouri wanted to enter the union as a free state 3.) missouri wanted to enter the union as a slave state 4.) maine would not be allowed to enter the union as a slave state