All of those are targeted towards the elderly. People who want freedom over security. People who want something for free. They will invest a quarter of a million dollars in a heartbeat. They reject any thought of supervision from children or trust lawyers. Once you reach the point were you become selfish and take any type of chance, the more dangerous you become - to yourself and the public. This is why America should have fully paid facilities for the elderly. They could give you a small percentage of money to pay for your entertainment, and put them all into connect homes. But who cares about the elderly? Very few - other than the politicans seeking their vote by saying the Republicans will remove your monthly check. (I have heard that threat for 40 years and it will never happen!!)