You're making his point. By superbly demonstrating personal responsibility, her kids went to college. The grandkids will gain from her values and guidance. One can assume that her kids now are smart enough to carry health insurance or will soon. Even if she personally doesn't have health insurance, I'd say she succeeded very well. The rewards of personal responsibility do not have to come in the current generation.
What about your ancestors, Bare, tell us about their health insurance.
No, his point was that those without personal responsibility passed that responsibility for things like insurance to others. Keep up with the topic.
My parents were both Union so they paid into a union plan for the 44 years that they worked. Many of my other relatives have gone a lifetime without insurance. I have an uncle who was not able, in Tennessee to have a child delivered in a hospital because he still owed for the last one. He was a mechanic who could not afford insurance. My father paid for the kid's delivery in Kentucky. I have seen Bethlehem Steel insurance totally go away, when they bankrupted, leaving thousands of employees without any insurance, no matter what their condition. A great uncle simply died as a result, broke, at home sick and unable to afford care.
I have watched coal miners completely broken by the age of 40, unable to stand up straight or lift 10 pounds, fully disabled and folks tell them to "just go out and get another job", not knowing that nobody hires broken down men. They live on $12K a year and will until they die which will be, with black lung about 60.