Where the healthy and cautious literally subsidize the unhealthy and wreckless?

Or transportation? Where my 50 lb 7 year old pays the same price as the 280 lb fatso?

I could give examples in just about every industry where one consumer subsidizes the cost of another consumer.

Funny thing is I’ve actually suggested on CB that realtors move to an hourly model and others pointed out why it may not be the best solution. I’m open to it though.