I didn’t see it. But there needs to be, if you talk about unfairness, a point made re poor people not having to put forth one iota of effort to get expensive treatments and time with learned medical professionals. The squirrel who works hardest should get the most nuts. Middle class people struggle to afford braces for their kids’ teeth and often do without something else in their life (including leisure time!) to pay for them. Whereas there are “programs” for poor people to get free braces. Their parents didn’t have to put ANY EFFORT toward the cost. Things like that are so unfair.
I agree with you. Nothing helps people be more careful with money than when they have to spend their own.