I dont know man... Im self employed and if I bust my back, its my own problem and Im SOL. I didnt read all 37 pages of this, but some people out there dont have any safety net to fall on after an injury. Its a reality of life you may have to come to grips with. We all got aches and pains.
But that is your choice, you could chose to cover yourself.
“We in America do not have government by the majority. We have government by the majority who participate.” ― Thomas Jefferson