Bill and Krista Discussed the Ethical Responsibility of Insurance Companies

Bill and Krista discussed the ethical responsibility of insurance companies during their lunch break. A major insurance company that serviced the majority of patients in the area announced that in 3 months they would begin denying claims for nonessential ER visits, requiring that their insured pay out of pocket. Bill's face was beet red as he argued that insurance companies aren't denying the premium checks, but they have the nerve to deny an ER claim. Krista was all for the change, saying, "Look, health care is expensive. If I brought my daughter into the ER every time she sneezed, there wouldn't be any insurance for anyone." She added, "We can't keep paying everyone's bills just because they don't want to take care of themselves and follow the rules." Both Bill and Krista seem to be very clear in their respective values. After reading the scenario, which ethical theory best represents Krista's viewpoint?

A) Divine Command
B) Kantian
C) Utilitarianism
D) Social Contract