It's not that it's "isn't totally free market". It's as much "not totally free market" as North Korea is "not totally a libertarian state". It's one of the most

It's not that it's "isn't totally free market". It's as much "not totally free market" as North Korea is "not totally a libertarian state". It's one of the most tightly regulated and controlled areas of the economy. Literally every aspect of anything needs an approval - sometimes multiple ones - from regulatory organs. You can not become provider in the market without passing a myriad of regulatory barriers, which would make an average tech startup founder faint. You can not remain a provider without constantly complying with a mountain of always changing and mutating reporting requirements and compliance checks. Pretty much every regulatory scheme ever been thought up by a man is somewhere in medicine. And yet, we have this insane system. Whatever it is, it's not lack of regulation that caused it.