If you only look at the business-customer transaction, it's the same. But otherwise it's totally different. If a bad driver can't get insurance, they are taken

If you only look at the business-customer transaction, it's the same. But otherwise it's totally different. If a bad driver can't get insurance, they are taken out of the pool of people who are driving. Everyone wins. There are fewer accidents - even the former driver is less of a danger to themselves. It makes the former driver's life a bit more difficult when they need to get around, but they have alternatives like transit. Other people see what happened to the bad driver, and modify their behavior accordingly. People who have pre-existing health conditions are not immediately taken out of the pool of people who are healthing (i.e. euthanized). There is no alternative to living. If they don't get insurance - or it's harder for them to get insurance - they go on living, with increased misery, until the costs hit everybody with trips to the emergency room. It is very unclear whether that example will influence others to be more healthy - most diseases are effectively random, or strike with the kinds of probabilities that most humans are bad at integrating into their decisions. Even alcoholism has a component of genetic predisposition, and some people might even become addicted as children. This is, of course, setting aside the moral argument, but this is is HN.