1. I act in the interests of society, rather than my own. It's the issue of the prisoners' dilemma; I'm not going to be the sucker.

2. I honestly don't know what you mean here. I will almost certainly not draw much in the way of health expenses; this is exactly the way insurance is supposed to work. What is wrong with not billing every thing to insurance and not paying for the privilege? If every one did this, consumers would be price-sensitive and costs would drop.