Just because we need the government sometimes, does not mean we need it to do everything.
Mr. A got himself a private insurance. In a rare case that you describe, the government can come in and charge all of us for the mishap. This is not an excuse for creating rules such that Mr. B can make a rational choice of freeloading.
I actually need your help guys. I explained these ideas to my kid, and he immediately said – and who will pay for that? I said – some people think that it is not a problem to give people more money. He laughed and asked – little kids? I said – no, adults. So, my kid refuses to believe that there are adults who do not understand that it is ok to give away “free” money. So, if any of you who believe in this, can swing by when you are in my area, so that I can prove to him that such people exist. Thanks in advance.