You might do and be all those things but none of that will prevent a unforeseen life changing accident from completely debilitating you. This is the true reason

You might do and be all those things but none of that will prevent a unforeseen life changing accident from completely debilitating you. This is the true reason for what you say is "sickcare" we are all healthy until we are not. You pay into an insurance system, private or public, to offset the risk of this occurring.