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> children are extremely inexpensive to insure overall

This is the key - to cover the insane costs for elderly, insurance companies have had to raise costs on the healthy, which includes children.


Yes, but most of the wealthy are elderly and few are children.
Citation:

31% of Wealth Owned by People Over 70 - https://www.apolloacademy.com/31-percent-of-wealth-owned-by-... - December 7th, 2025

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