"...something that is legal, constitutional and fair is ethically wrong."
Something that is legal and constitutional isn't necessarily right. We've got some pretty good examples in our history of things being both that we came to realize were not right.
As to fairness, that quality, especially as pertains to NPVIC, is debatable.
Otherwise, you're right, nothing you've posted appears to me to be anything close to an argument that would make me change my mind. If SCOTUS finds NPVIC to comply with the Constitution (highly doubtful), I probably won't change my mind. When SCOTUS, Justice John Roberts in particular, decided to give PPACA a pass as imposing a tax rather than a penalty, I didn't change my mind. The idea that the government can attempt to force citizens to buy a product from a private, for profit company, medical insurance, is just wrong.