That is very easy to say for those that can get it and repeat my very first sentence.
"We have all taken chances in life, some pay off and some don't."
Like the guy concerned I wasn't able to get insurance either, and have lived here for 17 years. Faced with the same situation I would just pull the plug, but I don't have a family that is likely to go in a different direction.
Hopefully when I get back to Thailand next week situation will be a bit clearer.