Interesting argument, though forcefully selecting a donnor does not increase organ failure rates for others, whereas paying ransom does increase risks of future attacks.
I was not comfortable skateboarding again until I had good insurance as I do now. I don’t go crazy, but it is definitely a weight off my shoulders knowing that if I break a bone I’ll be able to get help without wrecking my finances. On the other hand, my brother doesn’t currently have insurance, and in the past he was super advanced at skateboarding. He is very hesitant to skate with me because of his fear of getting hurt. It’s pretty wild to see that play out in my own life, and it has made even more empathetic to the decisions other people make and the sorts of high-level factors that come into play there.