The wages of sin is death. All them who hate me love death. The death of the unborn baby. Medical experts and psychologists say that addictions cause people to behave in these ways. America is being medicalized.
Insurance is based upon pooled risk.
For insurance programs to work, they must be actuarially sound. That is, the risk that is being insured against must be rare enough that a sufficient equity can be built into a fund to pay for a calamity when it comes and pay the administrative costs to run the program. With behavioral problems being increasingly diagnosed as medical problems and states mandating that virtually any self-destructive behavior be insured by private agencies, then the risk being insured approaches 100 percent in any individual. Collection on a medical insurance policy is no longer a chance possibility, but a virtual certainty. In addition to this huge private cost is that of government programs, primarily Medicare and Medicaid.