[matthewmacleod]

But such reform has not occurred despite decades of trying, and that’s because the system is not without the pros, and the pros make it infeasible to reform it at this time.

This seems like a faulty assertion. It’s possible that this system offers benefits to some subset of people. But you can’t really draw much of a conclusion simply from its continued existence.

If one of your “pro”s is “makes so much profit for insurance companies that they are willing to spend huge amounts of money to fight reform”… well, I can’t imagine that’s really what you mean by “pro”.