West of Mpls MN about 50 miles on Hwy 12 | Me too. A believer in personal responsibility that is.
Only difference between you and I is that I have also been personally responsible for those "hypothetical situations" that always happen to the other person. Until they don't. I also have a health directive that tells people in no uncertain terms to let me die as comfortably as possible in certain situations. Do you?
Having a health care directive is part of that personal responsibility thing you talk about.
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Going uninsured
