Haha yes, I agree. Same thing happened with the health insurance industry in the United States. There was too much capital risk and illiquidity in letting peopl

Haha yes, I agree. Same thing happened with the health insurance industry in the United States. There was too much capital risk and illiquidity in letting people pay ONLY for whatever medical services they wanted or needed... ...so the government forced you to buy an ongoing subscription instead (your monthly premiums, which are usually $600-2000 per month unless subsidized by employer or government program)