"nom=de=plume" wrote in message
...


It is like someone who chose not to buy collision insurance then wants
it after they totaled their car.

Not really. Not even the same scale....

--
Nom=de=Plume


Think about it. Is exactly the same. No insurance, you get sick and now
you buy the insurance. Not the way insurance works. It is to spread the
risk. If you only get the insurance when needed, then you failed in the
spreading the risk part.