Except the demographics are such that it won’t work. The other problem is that if free there’s no downward pressure on excessive claims. I’ll leave it to the re

Except the demographics are such that it won’t work. The other problem is that if free there’s no downward pressure on excessive claims. I’ll leave it to the reader on determining what this is, but in general older people will pay unbounded amounts for poor prognosis. Why should you pay, for example $100,000 so someone who is 85 can live to 86? Sometimes it’s time to accept reality.