Thanks - I thought about writing this very thing. So I will echo your sentiment - this is the very reason our  health insurance industry is in so much trouble - "Hey, its OK someone else is paying for it". We don't see a lot of families living in clapboard houses with no running water or indoor plumbing either. The heart of the issue for me is parental involvement, this will give lazy parents another reason to not be involved with their kids, I coached Kidpsorts BBALL for a few years, I have seen it firsthand, parents camped out on their smartphones paying no attention to what their kids are doing.