What about the 60 year old with autoimmune issues? That have expensive drugs but it wasn’t “their actions” that led to this? The entire system only works if he

What about the 60 year old with autoimmune issues? That have expensive drugs but it wasn’t “their actions” that led to this? The entire system only works if healthy 30 year olds are putting in somewhat similarly (it will be cheaper regardless). Insurance is based on the idea of spreading risk. Without it insurance cannot function.