BG, you make some very good points, and I think the reason many people don’t understand your level of concern regarding medical coverage, is because they are not yet 50+, so they are not yet in the health coverage danger zone.
Very few younger people will have lifetime health insurance at any level provided by their employers as we have, so, if they should find themselves without coverage during that critical time of their lives, and the government doesn’t find a way to continue to subsidize them indefinitely without going bankrupt (good luck with that) they will eventually understand exactly what you have been talking about. Sometimes experience IS the best teacher.