the way insurance is tiered incentivizes people taking advantage when they can and then not seeing a doctor at all when they need to. patients are always gambling, and the industry is always gaming prices to stay on top of those gambles.

everyone with "skin in the game" is trying to cheat the system, because it's about money and not about care.

pricing as a mechanism for sorting out appropriate levels of BASIC care is a bullshit fantasy. our economy and our psychology don't work that way.