[JamesianP]

I would think the worst of such edge cases should be prohibited by law anyway. A set of more subjects is presumably a superset of a set with less subjects. So any issues can be addressed by screening them better. I suppose there could be a greater problem with fraud as people claim to have issues when they don't.

It just seems unfair to subjects to me. Not to mention paternalistic. Every other actor in the process gets enriched based on (limitless it seems) market rates for their contribution, except for the subjects who take on all the risk.