LogFAQs > #927848212

"I think it should be up to each individual to consider their options, assets, and risk before making the decision to buy any type of insurance, including health and automotive.

There are people who have been driving for decades without a single accident, people who have never had to visit a hospital in their life, and yet they have to throw away their hard earned money for insurance month after month? Sad.

We as a society should accept the nature of insurance as a form of gambling and not force the burden of it on our more perceptive, prepared, and healthy neighbors who have no real need for it.

If misfortune (or more likely ineptitude) strikes a person who doesn't have the appropriate insurance or outside means to deal with their situation, the course of action is obvious. They decided not to take the bet against their luck and now must pay up.

That is the fatal flaw in the system today, that the "losers" aren't forced to pay their dues despite wanting to enjoy the comforts their bet provides them up until they lose. This blatent unfairness is unacceptable.

If a person makes the deliberate choice to not purchase, say health insurance, and they come down with an illness that is beyond their means to pay for, they should be refused treatment even if it means their death. If a person causes an accident while having no auto insurance, they should have their possessions sold until the balance of the damage is met. If someone does not have the assets to equal the amount they need in a case involving a second party, they should be imprisoned and put to work until they have worked enough to pay for the damages (plus interest, since the gov would have to foot the bill at first). If that person happens to die or abscond with debt, the debt should be transferred to their next of kin, it is not the job of society at large to absorb it for their sake.

If only things could be run like so I'm sure the country would be much better off."

Could someone refute this for me?
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Nil-