Not surprisingly, the insurance lobby recoils in horror at the prospect of automatic coverage ( including, when it was first proposed, Social Security), no matter how efficient it may be. Automatic coverage eliminates sales commissions and profit.
It is bad enough that our geniuses cannot do anything useful, but it is worse that no man is fit for society who has fine traits. He is admired at a distance, but he cannot come near without appearing a cripple.