求翻译：然而，以上我们不愿谈论保险的三方面原因正是我们要更多地了解保险的三个充分理由。保险的确是昂贵的，我们中许多人一生中买保险所需要的钱跟用在房子上的钱一样多。如果我们要聪明的花钱，就需要获得有关产品和服务的信息。在买汽车、房子、或衣服时，我们不能完全依靠推销员；在买保险时，我们也不应完全依靠保险代理人。要成为聪明的消费者，我们需要掌握一些保险险种的基础知识。是什么意思？

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