Yep, I wasn't (intentionally) disagreeing with you, though if I were nit-picking, I'd say they're using too much of the wrong services - going to the emergency

Yep, I wasn't (intentionally) disagreeing with you, though if I were nit-picking, I'd say they're using too much of the wrong services - going to the emergency room for a tooth ache or some similarly minor reason would maybe get a second thought if they saw how much it cost. When I went for several years without any insurance (starting a business), I became far more discriminating on the services I was paying out of pocket for, and also opted not to go to the hospital for minor stuff I would have gone to when I had insurance.