I see.

However, there is a big distinction though. I can do a "fixed rate" housing mortage by choice while I do "NOT" have the same choice to health insurrance. The example is not compatible when medical bills and health insurrance increase their rate by 20% every single year and all the government people don't care as they don't use private insurrance companies. Having a choice in private health insurrance is an illusion, because there is no such thing as, "we are not paying for the poor people who intentionally freeload on emergency services that cost 10x of regular visits".

While I agree the argument is sound, but, we are already in that hole with an illusion that we have a choice.