I agree.
I listen to the local radio stating from back home which have adverts that say you must now actually phone A and E and nont just turn up.
The UK is a 3rd world country now IMO.
I used to think to self insure was clever due to money saved and thinking i was bullet proof.
Now i have insurance at about 80K per year, i'm <50.
4MB may sound like a lot of money but in reality for a serious condition or accident it won't go far.
You do not know you have not had it, i don't know why you cannot understand this, it's not difficult.
As someone who's been tested more than 60 times i understand it very well.
As with yourself they may have had it but zero smyptoms.
I actually suspect it's likely i've had it more than 3 times, like many.
Although you've never had it as you've got a fool proof way to protect yourself - comedy gold.