Serious people are aware that it's a really complicated problem - things with simple answers are not considered problems. Healthcare systems have been tinkered

Serious people are aware that it's a really complicated problem - things with simple answers are not considered problems. Healthcare systems have been tinkered with in the developed world for about as long as what we'd call modern medicine has existed; in the US, the FDR administration looked into universal healthcare, but it was considered too big a reach back then, and it's been a thorny issue ever since. In a pure-market healthcare situation, we would treat people essentially the way we treat cars. Some would be worth much more than others and they would depreciate to approximately $0 as they age, and we would make repair calculations against that value. It would be considered morally heinous. The basic root of the problem is trying to put an economic value on human dignity and morbidity/mortality, and it will always involve tradeoffs.