I didn't say "I did X because I wanted to do X". I said, "I made an expedited decision about how to do X, because I wanted to do X, and X is notoriously easy to neglect for extended periods of time". Imagine me deciding to just eat leftovers for lunch because if I mull over the thousand things I could fix I will still be thinking it over - and really really hungry - by dinnertime.

I didn't sign up for allegiance purposes. I chose a particular service that someone who has reasonably good judgment had already picked, because I didn't want or have much ability to discriminate between the options. Imagine me staying over at someone's house and rooting around in the fridge aimlessly, not knowing much about what's in any of the tupperwares, until someone who knows something about my food preferences invites me to take some of the pasta.

I have savings, and I'm paying my premiums on an annual basis, so I'll have warning and time to seek sources of income before I'm ever in danger of delinquent insurance payments. I have plenty of friends and family who I expect would loan me a few hundred dollars if I asked them to, which means I should never need more than a span of months over which to job-hunt. At the moment I have income that covers that, but I'm not optimizing for income and hope to be able to avoid starting.