Well, I don't want anyone to turn a profit on it, so not particularly. The downfall of letting people choose is that the rich end up opting out, which undermine

Well, I don't want anyone to turn a profit on it, so not particularly. The downfall of letting people choose is that the rich end up opting out, which undermines the system. Maybe I'm arguing the opposite, that there should be a single global system. Or maybe I don't quite know what the right policy is, just that the current system is nonsensical.