Kidney problems are covered. However, a failure in the most important organ in our bodies often is not covered. Here are some common explanations: * It's hard

Kidney problems are covered. However, a failure in the most important organ in our bodies often is not covered. Here are some common explanations: * It's hard to point to a physical cause. Really this amounts to saying, the causes are more complex than we currently can comprehend (at a high level of precision), therefore we'll pretend that there is no cause at all. * It's a matter of laziness / willpower. Think this through: All you need to do is drive through town, or look in the mirror, to know how absurd this analysis is and how ineffective this solution is. All those things you should be doing and are not -- are you just lazy? All those unhappy people -- they are just lazy? They only need more willpower? If so, willpower is a very hard thing to come by and therefore a poor solution. * I take care of myself, so can they. 'My kidneys work fine, therefore nobody else has a kidney problem'? Also, you may have a few problems yourself.