Here, the risks are associated with access to services, whereas, for undesired events, the risk is two-fold: the event itself and the ability to deal with it. It would therefore be unwise to target only the poor as a way of keeping costs down. Nor can there be any certainty about how much the needed care will cost or how great the other associated costs will be. A compulsory financing mechanism should therefore be used, and young people should be included in order to differentiate risk levels, as is done in the case of health insurance.