> because they prioritize short-term gains All you said is true. However, people are also competing with each other on lifestyle. It makes it mandatory to meet

> because they prioritize short-term gains All you said is true. However, people are also competing with each other on lifestyle. It makes it mandatory to meet a certain level of financial performance if you want, for example, interesting friends or a girlfriend, let alone the same house as everyone, and kids. People who are a bit lower on the social scale then must part with the social insurance to increase their immediate lifestyle. Whereas when health insurance is mandatory for everyone, you won’t be competing with people who financially offer more during dates (except drug dealers and tax evaders; in Europe, professions which deal with cash like manual workers, have a much better lifestyle than engineers compared to their income).