Ok, you're right. Those people should not be considered. Only "normal people" who make $100,000 a year should be.....and the down votes to this post agree!

The real answer to this absurd nonsense is that all this can be done via algorithms to determine who is the biggest liability, which helps these "insurance companies" to choose who to accept and not to accept. This benefits the companies but defeats the purpose of insurance in the first place.