To increase affordability, why does risk based pricing make it more affordable? I would have thought having government subsidize for high risk would make it more affordable

Similarly, in Question Fall 2019 #11 b., it is suggested to have a Mandatory program. This way it maximize the take-up.

In this BattleCards, it says that the interactive rating is a Qualitative analysis only.

I am having difficult time trying to understand 60.30 (I-M) even trying to read exam report 2 times.

Here is the link to the question: