I hope my clarifications help explain what I meant in my parent comment.
I believe the following are potentially bad consequences of Grayson's/Mikey's claim spreading:
- People work on insuring others, at the expense of other activities that they would otherwise believe to be more valuable.
- Insuring people (or the ACA) is deemed a failure because mortality rates do not come down as "expected", plausibly leading to the ACA's repeal.
- A developer expends time working on the project expecting mortality rates to improve; when it doesn't, the uncritical idealist becomes an uncritical cynic, rejecting any future promise of saving lives/improving things.