The issue is not exclusion, it&#x27;s actuarial pricing. If companies can&#x27;t exclude, but can charge people their expected cost, insurance works just fine and fitness vegetable girl doesn&#x27;t subsidize hypochondriac unprotected gay junkie glutton. The latter person just pays a lot more.<p><a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Central_limit_theorem#Lyapunov_CLT" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Central_limit_theorem#Lyapunov...</a>