Here's a fact David: you were born. It cost money.  And you're going to die.  And it's going to cost money.  You mention a family.  They are going to have children, and they are going to die.  You seem to believe that, somehow, you're going to dodge all of life's ugly health situations.  I'd hate to wish ill on anyone - but it's going to be hard to feel sad should your daughter have a pre-mature child; or your wife have a catastrophic accident; or you, the perfect 'Mericun, should develop a cataclysmic disease. 
 It is, frankly, pathetic that you can't see beyond your front porch.