:facepalm Insurance is a choice. No one is forcing me or you to pay it like the gov does in universal healthcare. Yes, I’d rather have a private company run it than the gov.
If that did happen, why is it your problem? Why should you pay for my mistake? Why would you even bat an eye about my situation or anyone like me? Take care of number 1, dont worry about me.
Do you see how not being retarded can keep you out of trouble tho? Smart people diversify away risk in the stock market and have liability insurance to protect them from legal judgments.