It’s not a deterant against suicide, it’s to stop suicidal people taking out life insurance to give their loved ones a pay off before they top themselves.
Insurance is a bet between Client and Insurer that the client will pay more in before the insurer has to pay out.
From your other comments you seem to have a system simmilar to mine. I use mint, and i’m very happy with it, feature rich and ubuntu based, without the features you dislike like snap.
Only real step requirs for gaming has been installing some overclocking and heat management stuff like corecntrl, as well as some 32 bit archetecture stuff to run steam.