Excellent point, and totally accurate. There is also the issue that those who would tend to spend less on insurance (more likely to be poor) would be considere

Excellent point, and totally accurate. There is also the issue that those who would tend to spend less on insurance (more likely to be poor) would be considered dead sooner (all else being equal) than a wealthy person, which might alarm some people, even though the majority of the time the wealthy person is merely tortured for a few days before he/she finally dies.