You would not empty a revolver of all but one bullet, spin the cylinder and aim the barrel at your head.
But most of do an equivalent at the rental car counter when the question is popped about whether you want the optional insurance.
Do you need it? Back into a craggy high desert boulder in Taos, NM and, odds are, the costs will top $5,000 to replace the rear bumper and maybe a fender. And that is a trivial accident. Get into something serious and the vehicle will be totaled and now we are talking real money.