2010-03-23, 01:04 AM
Spideyjvc Wrote:Electronic sellers give you an option for insurance when you purchase them, but I usually turn those down. Sometimes your electronic does just die on you, but if that happens then I'll deal with it myself. If I got insurance for everything that would cover uncertainties, it would add up to quite a pretty penny.
The flaw in this analogy is manifold - For one your appliance is replaceable, your life, and your health, is not.
If you think the idea of growing old is terrifying, imagine being injured and unable to afford the urgent treatment you need, so it gets delayed and results in complications that leave you quadraplegic for life. People put off health care all the time because they're uninsured. Some get better. Some get worse. Of those that get worse they either live with it, or end up becoming a burden to society anyhow for far longer than it would've cost us to fix them in the first place before things got out of hand.
While everyone should have health insurance, you shouldn't use your health insurance every time you stub a toe. That's a big contributor to our insane health insurance issues in America. It's disturbingly comparable to 90% of the drivers decided they have auto insurance so it's OK to randomly ram other cars out of the way on the highway because the damage will get paid cheaply. Unfortunately this too was an issue the current bill couldn't really regulate because that's a cultural issue. We're too strongly divided into "those who see the doctor too often" and "those who make themselves worse because they won't even seek preventative medicine" and desperately need a happy middle ground for any change to be successful.
It's not having what you want - It's wanting what you've got.