I can see your point/side on just about everything there. Especially somewhat understanding your "grand scheme" outlook.

I do see somewhat of a different economic side to it. I tend to take a similar approach to it the way I look at the taxing system, when in reality, i know less about the complexity of the healthcare structure (and I know a decent amount through experience). There are no doubt mass inefficiencies in the system, how the mix of government bloating and users taking advantage makes up those inefficiencies is probably still to be seen/known.