>>By dint of your hard work and savings habits you and Andy are well off. You don't live paycheck to paycheck. Fair enough? IMO John makes a fair point that many people face tougher health care choices, which include living without. Living in fear of what might happen if something serious occurred.
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>>And this is my responsibility because?
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>Because you live in a society which is a joint enterprise.

Whoops, you beat me to it.