Victim blaming. It always works, whether on HN or Reddit. And why, pray tell, is the system set up so that all the things you obviously should do are bad decisions?
"The system" isn't setup to make self-destructive, clearly bad decisions. People just choose to make them, and at some point the system can't help them by carrot or stick.
Here's the easiest example: with ACA subsidies the average cost of an ACA plan is $50, with low income people qualifying for plans as low as $10 a month. This will cover basic preventative care like screenings, tests, and vaccines; and importantly caps your OOP maximum, preventing a financial disaster if you have a significant illness.
Despite all that, many people still aren't insured. They aren't insured despite it being massively subsidized for them by taxpayers. They aren't insured despite the government running advertisements throughout open enrollment.
At this point, if you have a complaint about a massive healthcare bill, my very first question is: did you have insurance?
The same ideas apply to college, housing, cars, and health/diet: "the system" gives you a massive range of options, but people consistently choose poorly, shortsightedly, and wastefully. People need to take personal responsibility for their decisions.
"The system" isn't setup to make self-destructive, clearly bad decisions. People just choose to make them, and at some point the system can't help them by carrot or stick.
Here's the easiest example: with ACA subsidies the average cost of an ACA plan is $50, with low income people qualifying for plans as low as $10 a month. This will cover basic preventative care like screenings, tests, and vaccines; and importantly caps your OOP maximum, preventing a financial disaster if you have a significant illness.
Despite all that, many people still aren't insured. They aren't insured despite it being massively subsidized for them by taxpayers. They aren't insured despite the government running advertisements throughout open enrollment.
At this point, if you have a complaint about a massive healthcare bill, my very first question is: did you have insurance?
The same ideas apply to college, housing, cars, and health/diet: "the system" gives you a massive range of options, but people consistently choose poorly, shortsightedly, and wastefully. People need to take personal responsibility for their decisions.