Insurance that doesn't cover risk; healers that treat the healthy?

As the battle to humiliate, shame and criticize human weakness as a justification for denying, limiting, and opting out of coverage of sick Americans continues, it's time for a little examination of our perfect insurance companies and health services providers.

In a completely serious article that considers shaming people into losing weight,
http://www.usnews.com/blogs/on-fitness/2008/5/22/
can-blaming-people-for-being-fat-help-curb-obesity.html?msg=1) by Katherine Hobson, it occurs to me that if blame and shame is the game, let's go.

I don't think that anyone who is sick or has the potential to be sick should have coverage...so the insurance companies cover their ever-expanding lists of excludeds and denieds for increased premiums. Coverage expansion includes fluff...the finite costs of screenings and prevention IN EXCHANGE for coverage of risk (eg how many provider choices and what are your coverage amounts if one of those tests comes back with a negative result? And next year, how's that FABULOUS premium going to be for you, you sick, useless drain on society?) So, we're all worried about paying for health insurance that covers less and less risk because of the cost of covering risk and...we're left with an industry that takes premium dollars for paying for fluff.
Fluff is described as those finite costs covered by insurance companies that can be more cheaply paid for by individuals versus the payment of total annual premiums.
When insurance companies stop covering risk, they are no longer insurance companies. Insurance means covering risk. So, let's try shaming them into what they really are...flim flam men...selling nothing for a steep price. Like the elixirs of old, and the spells of older, we're all using health insurance as an amulet...if I have it I'm safe, regardless of the fact that more and more people with it STILL cannot afford treatment for illness though they can readily get that annual checkup for the price of a small copay.

And how 'bout those healers, those ER fantasy physicians pursuing exotic cures for your ailments? Physicians straight up tell people that they charge them extra to cover the physician's costs for medical malpractice insurance. They straight up tell people that they engage in defensive medicine, sending people for test after test to protect themselves from lawsuits. They boldly have worked into OUR payment schedule the costs of their mistakes. These people are BAD.

Don't believe me? Still want to finger point at those fat, smoking, aging, risk taking fellow citizens of yours? Consider: WHO's Worse: The guy who says "Jump, I'll catch you," (the insurer) and doesn't or the guy who jumps off the roof himself (that risk-taking individual)?

The guy who says "I'll try to fix it but even if I can't, no refunds," (the physician) or the guy who admits he can't fix it (alcoholism, weight, addiction, hypochondria)?

The guy who says "It's your fault you're sick, you made your bed now lie in it," AFTER taking your money for years (health insurers) or the guy who says after all these years, I'm sick (the insured)?

And which is WORSE, MORALLY, the guy who says I have made bad choices or the liars (those who have made bad choices and deny it or who continue to make bad choices but consider their bad choices not as bad as yours)? Which is WORSE, Morally, a society that has people engaging in all sorts of risky behavior, with healthy and sick, old and young, disabled and not, or a society that says we will only treat the strongest among us?

A society that rewards those who have the most money and exploits those without, or a society that acknowledges that all lives have value?

So let's humiliate, shame and critique our fellow citizens. Let's penalize them for human weakness without knowing where they came from or what they've done. And then, after we've labeled them BAD, let's all look in the mirror and consider who is really showing moral deficiency, and let's stare into that mirror and verbalize that most powerful word: BAD.