Well said; kinda makes one think the same as ANY insurance (no claim; no service), or Social Security or Medicare deductions, which are future entitlements, but may NEVER be realized, NOR are there any guarantees that the product you will ultimately receive will be of the quality or quantity you were promised initially?
The whole idea of funding the benefits of others, through collection of the funds from someone else, is KEY to a socialist/communist government.
They will usually get your money back in the event of fraud. And send the fraudsters to jail or heavily fine them. Will that happen to the U.S. Government if their policy is defective (by accident or deliberately)?