My employer insists that only Windows is acceptable, which makes my life in software engineering very difficult. No Mac, no Linux, only WIndows. I had to fight tooth and nail to get anything else and now they are still trying to get me to go back to using Windows because "we don't support" anything else.

And "condescending" is also available to describe this behavior.

There is also an out of pocket maximum with regards to that "co pay" or "co insurance". My annual out of pocket maximum for co-pay and co-insurance is $2500.

We call that a "deductible". Mine is $1200. So it's more than yours, but it's not quite the same as having to pay for everything out of pocket.

If I take an unregistered, uncertified, uninsured vehicle to a place that has no roads and I get myself in a huge pickle out there, you can bet your ass I will be billed for the rescue. And probably fined on top of it for fuckin up the environment in the process.

Also as a hiker, I have a satellite comms device in case my ass needs rescued. And I have SAR insurance, because my ass cannot afford the bill.

Except that I don't touch literally everything else including my food with my butthole, though. And it's not as if I never wash my butthole. So if I happen to be in a public shitter and I drop a deuce, I will simply apply shit tickets and not freak out about it.