Yes, that makes sense. However, the older I get the more I think society should provide some sort of safety net for the unlucky. It’s inefficient for everyone

Yes, that makes sense. However, the older I get the more I think society should provide some sort of safety net for the unlucky. It’s inefficient for everyone to do this and many cannot. The premiums could jump 50% in a decade, for example. I’ve known situations somewhat like yours where premiums went up a lot.