Exactly. In a country where regulations allow you to start your own insurance company or your own ISP, it works well as an alternative. With heavy regulation (

Exactly. In a country where regulations allow you to start your own insurance company or your own ISP, it works well as an alternative. With heavy regulation (Obamacare, net neutrality), it is much harder for the small time players to start their own businesses to address shortcomings of the existing companies.