No. of Recommendations: 2
Look up the definition of anarchy


Definition #4 on

lack of obedience to an authority; insubordination: the anarchy of his rebellious teenage years. People who don't care because they'll be getting freebies. They won't answer to authority nor accept it. They'll rebel and say "Just give me my stuff". We can't have everyone running around doing whatever because there are no consquences for bad decisions.

As for "what's it's too late for".

People who are leaving their jobs to go on the exchanges aren't going to realize that the "Cheap" plan isn't so cheap when your deductable is three times what it was before. Similiar to cheap car insurance, you don't know it sucks until you need and then it's too late.
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