you are very much to blame if you take risks and choose not to pay for insurance, regardless how expensive it is. I think I understand where you're coming

you are very much to blame if you take risks and choose not to pay for insurance, regardless how expensive it is. I think I understand where you're coming from. You must live in a society in which no one has ever been denied health insurance due to pre-existing conditions. If I lived in such a society, I might agree with you.