Has anyone experimented with high deductible, low monthly payment schemes?

Actually, high-deductible insurance plans with low monthly payments - that pay NOTHING for routine care and maintenance - are pretty common. They are what most people have.

... that is, what most people have for...

car insurance, homeowners or renters insurance, life insurance, business liability insurance,...

Are you frightened at the thought that you have to pay for your own oil changes, or that the first five hundred dollars of repairs to your car after an accident aren't covered?