I guess my original comment should've been "It's not as difficult, to opt out, as most make it sound." It can be. But it's far from impossible. Debanking yourself has become a much easier process, for example. Opting out of the fiat food and pharma industries is definitely... a bit more bothersome. But again, not impossible. I'm only speaking from personal experience about this one, but it was a piece of cake to stop having to rely on insurance, of any kind. Though to be fair, i understand why most would be scared to get rid of that last one.