Ok so we’ll relate it to something that is universal already.
Your house is on fire, you don’t have the resources to have it put out, and can’t afford a fire truck or hoses to connect to the fire hydrant, or the fire hydrant to begin with.
What do I care? You can’t afford a fire truck, hoses, a hydrant, and the installation why should I pay for it? Burn or pay for it yourself, right?
Are there people in yoru family that are not well off?
What if they got diagnosed with leukemia and were refused treatment because they had a yeast infection 10 years ago that they didn’t disclose to their insurance company? Or the treatment was considered experimental? I bet you wouldn’t mind paying another 5% of your income for your life to save their life would you?