Which is no reason to toss the baby out with the bath water, which is my point.
BTW what you say is the exact stance taken by the Rand-ites, where utopia lies in wait if we just privatize everything. So same idea, just different bureaucrats. Which I find endlessly amusing.
Has anybody here ever dealt with an insurance company? That kills that argument and quick.
I'm all for a hybrid solution--ANY solution. But a solution.