This is an interesting point, H, as are all the threads you bring up.

It's something I haven't considered much, but when I got thinking about it I realized that once while I was in the working world the company changed insurances and we all had to fill out health questionnaires for the new insurance company. So I went about filling mine out. "Do you have a history of this, do you have a history of that," -- that sort of thing.

Well, one of the categories was "mental & nervous". I marked that I had a history of those problems.

As a result they refused to cover me. They covered everyone else in our small company, but not me -- I was told, for that reason.