Questions on the Explanation of the Book of Nullifiers of Islam

Question:
Who praises commercial insurance and speaks well of it, saying that it is beneficial and has interests for society, even though it is not permissible, is he considered to be going against the Shari'ah of the Prophet (peace and blessings be upon him)?

Answer:
Insurance in all its commercial forms is forbidden, because it is consuming people's money unjustly, and it contains riba (usury or interest), gharar (excessive uncertainty in a contract), ignorance, and gambling. It gathers many defects. The one who says that it has benefits, as we mentioned to you, the mere existence of benefits in a thing does not indicate its permissibility until one compares the benefits in it with the harms in it. If the harms are greater or equal to the benefits, then it is forbidden. And the harms of insurance are greater than the benefits in it, due to the injustice, consuming people's money unjustly, riba, gambling, and risking money.
All this is that you pay one hundred riyals, and if a disaster befalls you, you take a million. By what right do you deserve this million from people's money? The company does not pay anything. These are the people's collected funds; it consumes people's money unjustly, and you did not pay except one hundred riyals. All of this is from falsehood, and its harm is greater than its benefit. Yes. But. It is not said that the one who said it, because there are those who permitted insurance through their own ijtihad (independent legal reasoning) and they are mistaken in this. But it is said that he went beyond the limits of the prohibition of the forbidden. He made permissible something that is forbidden without intent. He thinks it is correct. He thinks his ijtihad is correct, and he is mistaken.