It's pretty darn obvious that we need a health insurance system in the US that can cover more people. Obvious catch-22 there. When you're really sick you can't work and we all get health insurance through our work. But I digress...
What I'm thinking about are the other gofundme campaigns that could have been eliminated with other, less expensive insurance. Two main types:
1) House fire - need to replace my things, was not carrying renters insurance.
2) Sudden death - need to pay for a funeral, no life insurance.
For young people, renters insurance and life insurance are both frequently $20 a month or less... less than what you pay for internet. Yes I know there are people who can't afford $20 a month, but there are a lot of people who CAN afford $20 a month, but don't have $15,000 for a funeral, that's the intersection I'm thinking about here.
Accidents happen. Actually they happen a lot, the umbrella "accidents" term tends to rank in the top 5 of leading causes of death. Car accidents, drowning, fire, intoxication, falls, can happen to anyone at any age without warning.
When I was a teenager I remember my parents mentioning that they had life insurance on ME. I was surprised and a little sad that they thought I might die, but they assured me they were pretty darn sure I was not going to die, this is just a thing people do because life insurance for kids is really cheap and it's smart and logical to admit that there's a small chance. Take your emotions out of it, think with your head, and admit that we are all mortal.
Oh but back to the gofundme campaigns. Here are questions in my head. Obviously another system isn't working well because a lot of people are not paying attention to what basic insurance they should have.
If you were in charge of the world, would you just use tax dollars to pay for funerals and house fires? Is it better to be public? How do you draw the line between caring for people, and expecting them to notice these things?
In college I complained about professors who gave us insane tests, and then when everybody failed they accused the WHOLE class of not working hard. Especially in 400 and up level classes where obviously we'd been through some crap to get here, we have proven our competence. If everyone fails the problem is your test, man!
Low cost easy insurance is something that people all over the place are ignoring. Is it a bad system?