Yes. Insurance should be for uncontrollable things like treating things like road accidents, super rare medical conditions etc. But in many countries insurance

Yes. Insurance should be for uncontrollable things like treating things like road accidents, super rare medical conditions etc. But in many countries insurance seems to work like a subscription service that covers everything including things that have a 100% probability of happening (like common cold). Quite naturally, the people who are already paying for it would want to go to the doctor's office and the people who would have to pay for it out of pocket, would not.