and why in america is everything based around this stupid idea of insurance to actually pay for stuff if you are starving, dying or sick. yeah cos that's a great idea........... everyone benefits from state paid health care, education, wefare, pensions. you use some, i use some. i probably use the nhs more than most people (i'm actually a huge drain but meh, like i'm gonna die for someone's taxes), but then another person might need housing benefit, welfare, a state funeral. and who am i to complain? he paid part of my operations i made sure he wasn't homeless and didn't starve. he take a litle you give a little back. you don't greedily horde your money for yourself and that new tv.