Insurance which covers some things is better than no insurance. Caps reduce the cost. You might as well ask why low end processed cheese ($4.50/lb, not very ta

Insurance which covers some things is better than no insurance. Caps reduce the cost. You might as well ask why low end processed cheese ($4.50/lb, not very tasty) is legal - why not ban it and force everyone to eat delicious artisinal asiago ($12.99/lb, mouth wateringly good) instead? Won't someone think of the poor people who aren't spending enough on dinner?