Every soldier in battle duty has life insurance. My daughter had it when she deployed. I don't remember how much but she was single no kids. It only goes so far. Don't want to donate? Fine don't. How much do you think it is to raise children alone? How much to care when you come home blind or missing arms or legs? The VA health system is a failure. Many die years later from chemical exposure or injuries, a lot of them commit suicide. Lots of shit happens in war. Calling them irresponsible is the lowest form of shilling. GFY