Fair, though we're generally in agreement. My point is that there are many who don't want the savings, because the over-payment is what fills their bank account

Fair, though we're generally in agreement. My point is that there are many who don't want the savings, because the over-payment is what fills their bank accounts. I was trying to point out that their last refuge, even when things improve objectively and across the board for the vast majority of Americans, is that single-payer or even a public option would hurt their pocketbooks. Like I said, I'm happy to throw insurers under the bus.