In a message dated 9/24/2009 5:30:47 P.M. Eastern Standard Time, [email protected] writes:
And that's the problem with trying to let market forces set the price, because how much is not being in pain worth? It will cost me up to my $2000 yearly deductible for me, but how much it costs my insurance company, who knows, and I didn't really care last week. And I didn't even consider the "cheaper" option of trying random physical therapy things to see if something else might have worked (knowing full well that I'm going to go to PT, but at least now we'll know what for). I decided to spend thousands of someone else's dollars without giving it a second thought. How much is not dying worth to you? Now how much is it worth to you if you can get someone else to pay for it? People will spend all that they have and then borrow more just to live or live a life without pain. When you know people are willing to spend more than they have, or spend someone else's money without thinking about it, why would you ever charge less? Just think of how many people, in group plans at work (those who still HAVE jobs), NEVER use their insurance benefits. Lots of premiums paid regularly and never drained away by claims....
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