And we should all play the lottery because we might win? If the expected value https://en.wikipedia.org/wiki/Expected_value is lower than the cost, then you rationally shouldn't buy it.
Hey, if you don't want to buy health insurance fine but... Don't show up at a hospital when you are sick or hurt to drive up the cost for everyone else. Deal?
Personally, I am single payer type person. Cut the middle man insurance companies right out of the equation.
EDIT: Why is my comment being downvoted?
So you (in the general sense) are already trusting the government with (or at least, not preventing the government from spending, whether you trust them or not) the money to provide single payer -- you are just doing it in a system which requires an even greater amount in private expenditures on top of those public expenditures to provide a similar overall quality of care.
And in the many first world countries that have used it for decades. It's a proven model.
>I would never trust someone with that much money and power.
That's how they're able to negotiate better rates.