I agree with you, and am actually for certain state interventions to correct for this (like mandated health insurance that actually works as insurance and not t

I agree with you, and am actually for certain state interventions to correct for this (like mandated health insurance that actually works as insurance and not the perverse chimera it is now), but even a naive free market would be so much better than what the US has now that I can't bring myself to care so much about the second-order corrections.