Well, if the difference is a semantic issue between us, then I'm not sure I can explain it. I believe sexual orientation is inherent in the the same way height,

Well, if the difference is a semantic issue between us, then I'm not sure I can explain it. I believe sexual orientation is inherent in the the same way height, sex, or skin color is - e.g. I cannot simply choose to be black or live a "tall" lifestyle. If you think "risk preference" is an inherent trait in that way, then of course the ACA is unjust. I would disagree, but could be convinced given evidence. FWIW, I don't necessarily believe the ACA or the mortgage subsidy are correct or just. I won't comment on KYC laws since I am not familiar with them. As an aside: I don't think you're comparing homosexual relationships to bestiality, but you're getting close. I hope you understand why this could be offensive and non-productive in a conversation.