Which of the following statements is false? a. Saving a portion of one's income in a pension is a merit good because many do plan sufficiently for life after work b. Consumption of large quantities of food is addictive and contributes to pressures for the health sector c. In the absence of public provision of healthcare, private healthcare would charge higher premiums for those who are less healthy when they sign up d. Free education for all funded by government is essential because students can take loans to fund their studies