I think you're totally right. And honestly I think the side-effect of having a ridiculously costly health-care system is that people just end up caring for the

I think you're totally right. And honestly I think the side-effect of having a ridiculously costly health-care system is that people just end up caring for themselves anyways. Unless of course you're my dad, who fainted at the wheel, was taken to the hospital unconscious, and then charged because he didn't call our insurance to pre-approve the ambulance...