Wow, you're absolutely correct. I always assumed that in the US it was because of the litigious nature and never stopped to consider the fact that if your kid

Wow, you're absolutely correct. I always assumed that in the US it was because of the litigious nature and never stopped to consider the fact that if your kid breaks their arm it's $10k for the parents to fix it. Thinking about it from the healthcare point of view is amazing.