Three years ago, I had a serious mishap while riding my bicycle. I was out with friends enjoying a casual ride on a lovely fall day when I hit a bump in the road that sent me flying about 30 feet forward. I hit the asphalt hard enough to break several bones and sustain a concussion. Several surgeries later, and thanks to excellent emergency, nursing, medical, surgical, and rehabilitation care, I have returned to my productive place in the social structure.

The tactless question I want to ask related to this event is this: Did justice require that I receive the treatment I did? This episode cost my medical insurance, costs they passed on to other customers in the form of higher premiums. In addition, it necessitated my occupying a hospital bed and taking the attention of physicians, nurses,...

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