People who have purchased commercial medical insurance, because they can reimburse medical expenses, will let go of bad behaviors and hobbies that may cause illness, such as alcoholism, inactivity, etc. Which of the following would best challenge this conclusion? ? ['It is generally believed that the losses caused by illness are far beyond the reimbursement of medical expenses.', 'The amount reimbursed from the insurance company is not enough to cover the entire medical expenses.', 'The scope of reimbursement of commercial medical insurance includes diseases caused by bad behaviors and hobbies.', 'People with bad behaviors and hobbies rarely buy commercial medical insurance.']