even if you're rich and doctor bills are not a problem, health insurance creates a vast network of hospitals, clinics and emergency services. after crashing the lambo, the system does not magically appear. you don't want to die in a ditch after waiting for a helicopter or ambulance miles away because only a few thousand people in afrimerca can afford healthcare. there's also the valuable experience doctors get working on patients on a daily basis versus one rich patient a month or year.
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