[Theophilus]

What’s my point? If someone is going to cover my risk of illness or injury with insurance, they can set REASONABLE requirements on my behaviour and my compliance or else move me into a higher risk (ie higher premium) group.

That's why I hate insurance. It is a private form of collectivism that leads to public collectivism. I'd prefer to cover my own risks and reap my own benefits but now we will suffer under a new law that will enslave us all. As slaves, we might eat better, dress better, exercise more, be assigned a better job or mate and even enjoy life more.

I would take my own chances, reasonable or not.

[Blueflag]

Agreed. Insurance is a substitute for liquid cash on hand ready to cover risks.

Few folks have the cash to cover the risk of losing their house to fire/storm or their health to catastrophic illness.

We ought to be able to cover others risks out of investments. But that is easier said than done.