Absolutely, I'm personally super excited about my ability to choose between my single work-provided health insurance that tries to maximize the amount of money

Absolutely, I'm personally super excited about my ability to choose between my single work-provided health insurance that tries to maximize the amount of money they get for a doctor's visit where the doctor doesn't even try to help me. And I agree, we should punish those who don't understand the system. Let them die for their ignorance.