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Health insurance.
Actual health insurance is literally illegal in the USA. It's all some sort of partially pre-paid health subscription crap that you get punished for not buying. Every time the government steps in the help they make it worse, even as far back as WW2 with "salary caps" leading to extra non-monetary incentives, like medical insurance, company car, etc. Then the government gives business tax breaks to provide insurance making it more expensive for an individual to buy so now your health is tied to your work. Then they help by... etc. etc. etc.
The US doesn't have health insurance, it has a health cartel. It's like if you wanted to fill up your gas tank and had to file a claim with your car insurance first.
And you can only change your policy during a small window of time during the year. Real insurance would let you make whatever changes you want any time, like when I changed my auto policy a few weeks ago and it reflected the next day.