Here is how I see it. These routine maintenance procedures is no different that maintaining your car. Why do you change your oil? Why not just wait until the motor blows the fuck up? Because a motor is more expensive, that's why.
So all these people without insurance "blowing their motors", just drives prices up for people like you and I who have insurance.
I pay for my insurance not because I have money to waste, I pay for insurance because a)I benefit from it if something goes wrong, b)I don't want to be a worthless sponge on society.
Long term this is a good thing as long as it's being implemented correctly...at least that's how I see it.