The costs in your calculations, they are costs for whom?
To make an obvious observation, medical insurance exists for a reason and a lot of people are employed in such a way that missing a week of work does not cost them $1000. Another lot of people isn’t employed at all.
Since you wrote this comment, I’ve updated the calculations in such a way that it is now the case that:
All payoffs shown are the payoffs which an average individual would derive from experiencing particular outcomes, rather than the value which either society, employers, or other parties would gain from a given individual either getting sick or not.
The costs in your calculations, they are costs for whom?
To make an obvious observation, medical insurance exists for a reason and a lot of people are employed in such a way that missing a week of work does not cost them $1000. Another lot of people isn’t employed at all.
Since you wrote this comment, I’ve updated the calculations in such a way that it is now the case that: