> so it's of more use to someone who has been diagnosed with a fatal disease, or is getting on in years

I read this as "Cryonics is more useful for you if you are ill or old". (1) I agree, and (2) at this point, insurance companies may make it less affordable, for you.

My point is, if you wait too long (typically until illness or senescence), then Cryonics could become so expensive that the utility/cost ratio decreases, despite the fact that utility itself greatly increased.