Good point. People voluntarily parted with money to pay for the first.

The second company, well if you take a minute to read this article it explains the price society pays for the second policy: https://www.nytimes.com/2017/09/03/upshot/to-understand-risi...

I'm not really defending the first example, but america has a bit too much "privatize profits, externalize losses" for my taste. These policies do have impacts on the life of the median american.