The copay assumes the 99% treat healthcare like spiteful buffet gorgers

The basis for the health-insurance copay is that the 99% need to be disincentivized from "abusing" their health-care and going to the doctor for frivolous ailments (if this was really a thing, we'd have sliding-scale copays that charged rich people astounding sums to see the doctor, to ensure that everyone's incentives were properly aligned). (more")