He didn't say he wasn't willing to pay. He said he thought $8000 for what he got is a rip off. He's right.
Its because you do not understand the law. There can only be a single charge, which is subject to complete care of everyone — so this is the market at work under onerous regulations. Get educated before commenting. Had this person actually spent a little money on insurance, there would not be this problem. But I bet his sport of choice has expensive boards and things in order to play — but he wants to pass his costs on to everyone else.