You're exploiting an ambiguity in the word 'unavoidable'. Of course any individual manager (hospital or insurance industry) could 'avoid' predatory pricing. But

You're exploiting an ambiguity in the word 'unavoidable'. Of course any individual manager (hospital or insurance industry) could 'avoid' predatory pricing. But the system of capitalism is designed to prevent people who would practise such avoidance doing so - either by excluding them from management roles (the sewage farm metaphor), or forcing them to conform to the ideology of greed. An unmitigated exploitative capitalist system cannot 'avoid' overcharging, because it would be counter to its deepest nisus.