It's not a free market when the alternative to buying id dying. It's more like putting a gun to someone's head and saying "give me $50k or I pull the trigger."

It's not a free market when the alternative to buying id dying. It's more like putting a gun to someone's head and saying "give me $50k or I pull the trigger." That's not a free market transaction, it's a mugging. It doesn't magically become better if you get to choose which mugger you pay, or play them off each other to negotiate down in price. It's still a forced transaction.