That's the simple answer. If I have a legislated mandate to services--and by the way, I do have to pay some small benefits for that--why would I pay into a program that's providing me insurance?
By the way, the Veterans Affairs Canada program should not be influenced by the insurance model. It stands on its own. That's the problem with the economic benefits that accrue if you are on rehabilitation: we're using the SISIP compensation model, which is fixed at 75%. It doesn't make sense.