Life should come with an "AS-IS No Warranty" sticker on it. There are no guarantees in life in part because resources are scarce and they must be allocated somehow or other. It seems to me that we should prefer those means of allocation that maximize efficiency so that the most satisfaction of human wants, for a given amount of resources, can be achieved. This goes for doctor-hours and hospital beds as well as it does for crackers or Volkswagens. Naturally, no one believes that a child who develops leukemia should die at a young age simply because his parents didn't exercise the foresight to buy health insurance against leukemia. That said, neither does the fact that a child develops leukemia morally obligate those in the business of treating leukemia to foot the bill (by providing free treatment). Socializing health risks is the solution offered by a lot of people, but is it actually worth the cost? Sure, you save some hardcases who otherwise would have died, but every e...