Well, apart from not being a fan of the cargo-cult mentality you're applying here, I don't agree with the premise that solution you're implicitly advocating doe

Well, apart from not being a fan of the cargo-cult mentality you're applying here, I don't agree with the premise that solution you're implicitly advocating does work very well everywhere else. The insurance model is broken because of political intervention in the first place. I'm not about to give political institutions de facto monopoly power over the most personal and private aspects of my life just to mitigate a public problem that they created to begin with. I want to cut out the middlemen entirely, not just shift dependence to a different, often less trustworthy, set of middlemen.