"For every complex problem there is an answer that is clear, simple, and wrong." - H. L. Mencken Even a moment's thought about the power disparity between an i

"For every complex problem there is an answer that is clear, simple, and wrong." - H. L. Mencken Even a moment's thought about the power disparity between an insurer and an individual facing medical problems leads me to conclude your "simple solution" has little to recommend it.