Exactly. The $75 is an insurance fee, not a club membership. If I shoot myself in the leg and go to the hospital uninsured, they fix me up and then bill me for

Exactly. The $75 is an insurance fee, not a club membership. If I shoot myself in the leg and go to the hospital uninsured, they fix me up and then bill me for the cost. They don't let me bleed to death to "teach others a lesson." We can't have people buying insurance whenever they need it, but it's perfectly OK to have people buy the service that the insurance pays for directly when they need it.