i mean, that all makes a lot of sense, and you're not wrong, I just believe insurance ought to be a public service.

If the purpose of insurance is to spread risk so that people can still live their lives when unforeseen events happen, that benefits a country, that is a risk the government should be shouldering.

Anyway, I have found myself on a tangent. I guess fundamentally I don't disagree with the concept of insurance, my biggest complaints are regarding the execution of it within capitalism, but you already basically said what I wanted to about health insurance in particular.