[Ntrails]

Ah, yes, the old "I have totally done this so far in my life and thus it is a model for all peoples" chestnut.

I have this vague memory of someone who was litigating about obamacare being unconstitutional for forcing people to have insurance and then defaulting on their sudden unexpected large hospital bill...

Realistically you've been lucky, and that's fine. You're against risk pooling because you feel that's not something you need. Self evidently the pooling is to cover the less fortunate. the "there but for the grace of god go I" situation. Maybe you think they're all scroungers and wastrels? Or that they don't deserve access to medical care just by virtue of existing and being ill.

It's a cultural thing tbh, but bemusing to me.