You realize you still share the same roads with bad drivers, right? Insurance pool is the wrong level of abstraction to isolate bad driving. If anything, it puts our skin in the game to advocate for better education, prevention, licensing and enforcement on bad driving.
This is almost the same for healthcare. Covid demonstrated one more time, state of public health is tightly connected to your individual health. There is no rugged individualism as far as the virus is concerned.
You realize you still share the same roads with bad drivers, right? Insurance pool is the wrong level of abstraction to isolate bad driving. If anything, it puts our skin in the game to advocate for better education, prevention, licensing and enforcement on bad driving.
This is almost the same for healthcare. Covid demonstrated one more time, state of public health is tightly connected to your individual health. There is no rugged individualism as far as the virus is concerned.