Based on your argument against unionizing yourself, which is that you won't benefit $0.25 yearly raise, I think you're actually arguing in favor of the insuranc

Based on your argument against unionizing yourself, which is that you won't benefit $0.25 yearly raise, I think you're actually arguing in favor of the insurance comparison. For example, if the only people who paid into national health insurance were the people needed it, and only then when they needed it, the national health insurance would be pointless.