I'd also like to point out, as it doesn't seem like people go far enough in these sorts of analysis. We tend to draw some arbitrary line of causation, convenien

I'd also like to point out, as it doesn't seem like people go far enough in these sorts of analysis. We tend to draw some arbitrary line of causation, conveniently where it suits us. Obviously, the further back you go, the more difficult it is to draw conclusions and link causation/incentive, but it's important to at least try. E.g. You claim that the problem stems from HMO's spreading risk/cost using premiums, and doctors using that to over-charge fraudulently. But, have you considered why the doctors are able to do so (and get away with )? Perhaps because there is a shortage of them. Or something else, the point I'm trying to make is that we need to go a little bit further.