I mean, obviously it's a spectrum. I think for me personally i'd opt not to be insured for that. But I wouldn't say that someone who does is being unreasonable.

I mean, obviously it's a spectrum. I think for me personally i'd opt not to be insured for that. But I wouldn't say that someone who does is being unreasonable. My point is just that with insurance companies being expected to should literally all medical costs, price signaling is taken out of the market, and that is a bad thing.