Hunter

A bank won't let you open a $10,000 credit card line without verifying your income, credit history, and debt to income ratio. An insurance company will happily deduct $450 out of your paycheck every month for an "individual healthcare plan." Then, when you break a bone, they hit you with a $6,000 out of pocket deductible before they pay out a single dime of coverage. You are legally required or socially forced to purchase a product that refuses to execute its primary function until you've spent your entire liquid emergency fund first. The insurance corporation collects guaranteed monthly premiums. The private hospital system bills inflated chargemaster prices. And the patient gets a collection notice for needing basic medical care.