I am not apologetic, this is just a matter-of-fact response on how it works, and what happens.

Keep in mind that healthcare fraud is a giant business [1] [2]

I'm not trying to push any particular thing, though I do believe that the Kaiser Permanente type of business model (health maintenance organization) will eventually kill off much insurance.

[1] https://www.justice.gov/usao-wdmi/health-care-fraud

[2] https://www.govinfosecurity.com/doj-healthcare-at-center-big...