Just about every actor in the healthcare system, including patients, are bad actors. Patients are super litigious, so when they sue, doctors have to have malpractice insurance. Doctors need to able to pay off Med schools/buy Mercedes Benz so they need to make bank. Since doctors are specialists, they need to consult with other specialists and recommend procedures to get more billable hours. Nurses and technicians need to make (smaller) bank themselves, so their labor isn't cheap either. Insurance companies aren't charities and are expected to pay most of the procedure's actual cost, so they look for ways to not pay out as well as find excuses to raise rates. Big Pharma wants to recoup R&D costs in general even before COVID.
The government, as we saw with Obamacare, wasn't the solution because it never addressed the fundamental business of how everyone gets paid. Voters just want fast, quality healthcare for free. Life just doesn't work like that.
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