Asks Don Surber (via Instapundit), noting: "The Frosts found an 'affordable' business building and an 'affordable' 3,000-square foot house and an 'affordable' private school."
It's just human nature. Insurance is different from a house and a business and schooling, which are all things people are buying to use now. Insurance looks way too expensive when you have to shell out your own money that you'd like to spend on something else. Surber says why don't they pay for their own damned kids, but this is the same attitude people have when they decide not to put their money into insurance. They think they'll probably get lucky and spend less by paying their bills directly, and mostly they are right. So all that money will be going for somebody else's medical bills, and you don't want to pay. Face it. This is human nature.