@Frederick:
This thread, nor any other thread, benefits from your **superfluous spam. **
I just got done posting a long and very meaningful post in this thread.. it's all ready for you nasty, parasitic moonbats to give a "thumbs down" and tag it with inane replies.
You legit start new topics to respond to people pages-deep in other topics. I can only assume for whatever the Disney Dollar reputation reward is on this forum.
Here's my response to your meaningful post.
You don't seem to know what the purpose of insurance is. People don't sign up for insurance so they can have some glorified middle man handle their transactions. If it worked in real life how you believe it works, of course no one would want it.
You also must have a terribly myopic view of life if the furthest you can quantify the cost of medical procedures is the amount of time it takes to perform them, like they're installing a patio or something.
I nearly put in the effort to explain all of this, but you're the self-proclaimed genius with the big opinions. You could at least do some research before you shout them from the mountain tops.