So, what is the odds that makes a person worthy of a transplant? 100% survival rate for a certain number of years? Or maybe 90%, 80% 70%? No one knows how long they have on this earth - even the perfectly healthy. 5 years is a lot of time so someone facing death - ask any cancer patient.
Regardless as to how dismal the odds are, people deserve a chance at life. I agree with honeychile, its scary to think that the extention of your life or the level of care you may receive is dependant upon some statistical parameters.
I guess if life insurance companies can do it, who says health care companies can't.