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A Fourth Health-Care Question

I add to Russ’s three excellent questions about health-care my own, additional question: Why does there exist a widespread sense that each of us, as individuals, is incapable of — or should not be obliged to — providing for our own health-care needs in the same way that we provide for our own grocery needs, our own household-furniture needs, our own automobile-insurance needs, and many other of our needs?