"the fact that an unbalanced individual has acted irrationally?"
But is it totally irrational? If you were faced with living on the streets because of mounting medical debt due to a debilatating illness, and you had the option of spending that time in a jail where you would have your illness tended to by the state, where you would be fed, lie on a bed, have a roof over your head - is that irrational?
This is one thing I have never understood with American society, the whole medical insurance thing - in the first instance, there are quite a few people who can't afford the insurance, also, there are those who can afford the basic insurance, but after a specified timespan of illness, that elapses, or it doesn't cover every illness, etc, etc.
I just think that US hospitals should have at least a basic duty of care to treat everyone regardless of the insurance. Why not do it like in the UK, and pay for hospitals through taxes?