> Indeed, the fact that I "have to do business with" them is itself a consequence of particularly-complicated government regulation.

No, it isn't. Life without health insurance (in some form) is awful.

> I suspect that a better system would look a lot more like removing the insurance component of it in more contexts, and having more medical procedures paid for out of pocket at point of use by ordinary people - which is something I try to do right now anyway when I can.

Getting cancer is like winning the shit lottery and you're effectively saying that people should just "save for if that happens or die of they don't". The fucked up health insurance system in the US makes medical bankruptcies a thing. Your idea here turbocharges that.

More importantly, you ignored the main point in my reply. Please respond to this:

"It's more about making a fair assessment of whether servicing a market via private or public enterprises is more or less efficient. What you mention is a comparison between different markets, not a fair comparison of the same market run either publicly or privately.

[...]

The classic "government can't do anything right"-trope is quite strong and influences voting and policy making. My hypothesis is that the reality is closer to "cooperating with many many people in big organisations is very very hard to do efficiently"."