People still donate to charity, don't they? Or voluntarily sign up for insurance programs? If the programs were effective in reaching their stated goals, I woul

People still donate to charity, don't they? Or voluntarily sign up for insurance programs? If the programs were effective in reaching their stated goals, I wouldn't expect them to be entirely chipped away. If instead the programs revealed some perverse disincentives on the other hand, I'd expect the result you described, and rightly so.