Leaving the compassionate and human aspect out, because it’s not part of your point. Clearly if a subset of people are paying to cover those that are not, then

Leaving the compassionate and human aspect out, because it’s not part of your point. Clearly if a subset of people are paying to cover those that are not, then the point is valid. Then you get into how much should a person pay thresholds, sliding scales ? Well then some are paying more than the cover they would get for themselves.