True, that.<p>If pressed to name the single stupidest concept I&#x27;ve ever encountered in over forty years of life, I&#x27;d have to say it&#x27;s the notion of selling &quot;insurance&quot; in a market where you know perfectly well that 99.9% of participants will eventually have to file expensive claims.<p>Communism is way up there, along with smoking, and religion, and then there&#x27;s the time that Circuit City tried to sell their own proprietary brand of self-destructing DVDs.  But none of them can compare, in terms of sheer forehead-slapping stupidity, to the idea of &quot;health insurance.&quot;