Let me throw another little hypothetical at you.
A family is paying off a mortgage when the father dies suddenly of a heart attack. The life insurance on the loan pays it off.
Twenty years later, an error by the power company after a storm burns said house down. The insurance pays off some of the home and personal property losses. The family moves across town and has to take out a new mortgage. Mother retires, but the mortgage is paid automatically from the pension every month.
Another ten years later. Mother's physical condition deteriorates to where she is now in a nursing home awaiting surgery. There is hope she may come home some day, but will there be a home? The nursing home payments aren't fully covered by long term care insurance. So the mortgage goes on the back burner. The rest of the family faces losing everything in spite of working a full-time (and then some) job.
But hey, they don't have a RIGHT to that care or that home! So what if you've got people ruining their own health trying to avert disaster! The system fucking works!
A family is paying off a mortgage when the father dies suddenly of a heart attack. The life insurance on the loan pays it off.
Twenty years later, an error by the power company after a storm burns said house down. The insurance pays off some of the home and personal property losses. The family moves across town and has to take out a new mortgage. Mother retires, but the mortgage is paid automatically from the pension every month.
Another ten years later. Mother's physical condition deteriorates to where she is now in a nursing home awaiting surgery. There is hope she may come home some day, but will there be a home? The nursing home payments aren't fully covered by long term care insurance. So the mortgage goes on the back burner. The rest of the family faces losing everything in spite of working a full-time (and then some) job.
But hey, they don't have a RIGHT to that care or that home! So what if you've got people ruining their own health trying to avert disaster! The system fucking works!