this is inherent in the nature of insurance and when that combines with health it's a pretty disgusting combination
insurance is a scam anyway, you wouldn't need it if you could save
and they then went and extended that to create the welfare system, which was initially sold as a "social insurance" and now oh look it turns out that means that now they want to legalise euthanasia in a bunch of countries to cut the public health bill
really, they just want to kill us, and this is the long winded, tricky mechanism they are using and in addition to the thing itself, they then twist it up to make it seem like there is some kind of debate about whether it's just a mechanism for genocide, with their shills selling this welfare scam as though it's protecting the weak, so everyone else better keep on stumping up more and more costs to fund this