The suspect and a guy who was with him are known to police and belong to a group of people detonating ATM which is what TATP is often used for (according to German news) so it's very likely this stuff wasn't intended to attack people.
It wasn't a bomb. There was no detonator. It was explosive material that can explode when you look at it the wrong way. There is no way to defuse it.
According to German news it was TATP which is extremely unstable so they detonated it in a safe place nearby to minimize the risk for everyone.
So you're self employed which as mentioned above is not the general case. You made it sound like everyone has to pay the same amount regardless of income which simply is not true.
You're aware that you're talking bullshit, yes? Insurance costs is a percentage of your income and it's most certainly not almost 1000€ for everyone. If you're paying that much for insurance and your income isn't sufficient you might want to budget better (it should be at least over 4000€/month after taxes and insurance). This, of course, regards employees and general insurance.
If you're self-employed and insured privately things are different but this is only about 10% of people. So it's most certainly not a very common issue and obviously not the general case.
Quite regularly, actually. We also extradite them illegally into countries that don't think much about human rights