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I would rather have access to a suicide pod.

Because they are supposed to possess minimum levels of intelligence found in homo sapiens, which includes not believing anything a salesperson says.

Also, their whole job is dealing with people who constantly lie to them.

I would happily pay for Shingrix.

> so they instead just grow the pie larger by inflating everything

So why would they deny coverage? All they have to do to earn more money is keep paying for more and more healthcare.