What is the ruling on depositing money in usurious banks and insuring cars in a country where there are no alternatives, and how sound is the argument based on the principle "necessity takes the place of dire necessity" in these cases?

It is permissible to deposit money in usurious banks of non-Muslims when there is a need, by opening a current account that does not accrue usurious interest, provided that the need is assessed accordingly, and with the obligation to deal with Islamic banks if available. As for car insurance and other types of insurance in those countries, commercial insurance is permissible in cases of legal compulsion, or when there is a need to avoid severe hardship and difficulty, such as insuring Islamic institutions, cars, and health, to avoid exorbitant costs or the absence of free health coverage. Based on this, there is no harm in opening a current account with usurious banks when there is a need, nor in subscribing to car insurance and other types of insurance according to these guidelines.