In the end, you (or your heirs) will spend the money. The only questions are when and on what. It's my belief that saving some money is good because it gives y

In the end, you (or your heirs) will spend the money. The only questions are when and on what. It's my belief that saving some money is good because it gives you options when times get tough. But, I fear that having a large pile of cash will just be hoovered up by the MDs after a major illness. They know your financial position and will bill accordingly.