That's the magic of it. When someone says "why should I have to pay X?" all the useful idiots can come out of the woodwork to spew things that aren't technically lies in abstract about how X is insulating against some failure mode that hasn't happened in 50yr and is probably cheaper to mop up every now and then to pay every time.
Cheaper to tax payers or cheaper to the politicians who end up eating the punishment for accepting a certain level of fraud?
I wish I were such a useful idiot that I could just imagine-away incentives in a system so I could more easily create imaginary solutions :(