[austin-cheney]

That is neither true of healthcare or car ownership specifically. It’s the Pareto Rule. 20% of participants drive 80% of the costs. This is expanded across the population via averaging from insurance.

Law describes this as the thin skull problem. If you accidentally tap someone that had a thin skull and their head explodes you are still guilty of manslaughter even though the action is both completely benign and unintentional. The extreme alternative is to eliminate high risk people until no risks remain in the system. Insurance is a nice balance in the middle, but that doesn’t mean ownership is otherwise unaffordable for most people.