Jose writes:

Actually, I think the source is from elsewhere. Medical insurance in
its various guises removes the connection between the buyer and the
seller. It was first offered as a perq, in lieu of salary, by big
corporations who could get a bargain on it (that is, they could offer it
more cheaply than individuals could get it themselves, thus it was an
attractive perq). This spread too far, and took over the medical system.

Quite so. Medical insurance allows people to forget how things get paid for,
and allows medical costs to spiral out of control. People who have insurance
want everything to be paid for and care absolutely nothing about the actual
costs. People without insurance are excluded from decent healthcare by the
resulting upward spiral of costs.

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