I also believe that there is going to be a LOT more of them than us.

And at some point we probably will become "them". This lack of foresight is characteristic of people deciding they don't need health insurance, retirement savings, etc. I think it's really because we want to deny our own mortality. We may be fine now, but someday we will almost all be too sick to work, and certainly all will die. The folly of conservatism is to think we will never need help, when actually that is the natural order of things.