Anyone with insurance. If they're charging your insurance provider $1,400, then you'll either see that cost passed directly on to you when you get COVID, or see it as an increase in everyone's monthly insurance cost as they spread out what they're paying across their whole customer base. The money's got to come from somewhere. Granted, insurance companies will likely negotiate on the price and not pay that full amount, but it's not exactly a good-faith negotiation if their starting offer is a 10,000% markup.
Also, 2028 is less than 5 years away and COVID is set to be a persistent staple of society like the yearly flu indefinitely. They're basically saying that anyone who gets it while committing the heinous crime of being poor is SOL, even though it costs them almost nothing to produce and was developed using our tax dollars to start with.
There are a lot of comments here about which launchers are "close enough" to the Nova feature set, but very few people are talking about specific features and the alternatives that support them. I really just use two, and everything else is a cherry on top that I can do without if push comes to shove.
Action Launcher used to be my go-to, and it's still the best implementation of #1 because of the little indicators it adds to let you know if something is a "cover" (folder when you swipe) or "shutter" (widget when you swipe). Sadly it's gotten rather bloated over the years and spends more time force-closing from one glitch or another than it does actually running properly. Nova was my backup because it added "covers" a few years ago and I remembered enjoying the app about a decade ago. Now what?