You shouldn't have to pay for something like this, especially since you lost it and its gone and that already leaves you in a disadvantageous situation. Why does it follow and keep hurting such individuals, especially knowing the fact, no offense meant, that many of these people are stuck in these kind of situations are already struggling with the system in their day to day lives, and are many times having to live paycheck by paycheck. If you act fast then you don't have to worry about this? Look, many times that can't be possible, as a person from a struggling home, I can tell you that acting fast is sometimes not an option due to all that happens, all you need to pay for, and your left to struggle. Universal single payer healthcare, remove this irritation of a system and replace it with a system that is equal and provides for the people, making sure they are taken care of and assisted. We need to be strengthening our citizens, not breaking them down, and this irritating taxation is something that is breaking our brothers and sisters down. We need to begin the path to a better affordable healthcare and eventually universal healthcare as a whole.