Excellent reply, maddog! Agree 100%
Another poster put it this way, on a thread, yesterday....
Guy: Hello, State Farm? I need full insurance for my brand new Ferrari.
Jake: Great! We can help with that. Tell me a little about your new Ferrari.
Guy: Well, it was a great car until I totaled it, yesterday.
Jake: Click.
(The names and dialogue not exact, but you get the idea :)
That comparison is a pathetic one.
People can’t do anything about a lot of pre-existing conditions. Many times it’s fate. Some are born with them. Insurance companies can put them in a pool.