Yeah, that was the model: if you sell 10 bicycles a week and 5 are stolen regularly (so you only sell 5), those 5 bikes essentially double in price. That's been the hospital model all along: the uninsured (for a lack of better analogy) 'steal' healthcare and the rest of us pay for it in higher prices. Now, no one is stealing  anything (because yay, insurance for everyone)... but those bikes are still 2x what they should be priced at...