That is foolish and looking for an excuse to be irresponsible.
Do you know the hebrew word for “insurance”? That is also “bitachon”. Think about that for a second. If you want to insure that you are responsible and doing the right thing, and not have to depend on others, or making a chilul Hahsem. Make a budget and live within your means. Don’t expect Hashem to rain money down on your head.