The problem is that it costs $56k/year. Most people don't have that kind of money, so for the most part we're talking about whether that cost should be socializ

The problem is that it costs $56k/year. Most people don't have that kind of money, so for the most part we're talking about whether that cost should be socialized, either via insurance or the government. That's an awful lot of money that could be used to treat a lot of other sick people. So it's not primarily a question of whether people should be allowed to take risks, it's more a question of how best to allocate finite resources.