Moral hazard? Versus not getting even a diagnostic, let alone care, because someone couldn't afford it? Versus self determination? A clear upfront statement of

Moral hazard? Versus not getting even a diagnostic, let alone care, because someone couldn't afford it? Versus self determination? A clear upfront statement of what the product is not ought to suffice. What we have isn't motivated by protection from moral hazard (at least IMO). It's a guild system that restricts even vaguely related access and practices in (I'd argue) an overly broad manner. To be clear I don't object to the guild in this case. Only to the overly broad fence surrounding it.