[murderfs]

Well, they'd be more functional as insurance, at least! The way insurance is supposed to work is that your insurance premium is proportional to the risk. You can't go uninsured and then after discovering that your house is on fire and about to burn down, sign up for an insurance plan and expect it to be covered.

We've blundered into a system that has the worst parts of socialized health care and private health insurance without any of the benefits.