I understand what you are saying. It's like asking people who don't have a car to pay for car insurance. And I agree generally. But the whole point of insuranc

I understand what you are saying. It's like asking people who don't have a car to pay for car insurance. And I agree generally. But the whole point of insurance is that you make it work because most people wont be needing their insurance so it's a question of interpretation. And yes I think you are right about your solution. I can compare same treatment in Denmark with those of here in the US and the difference is just too big to be true.