[crmd]

That’s a valuable distinction you are pointing out. I agree 100% in theory. For example, on certain municipal websites in New York City where I live, credit cards are not natively accepted for transactions, but a link is provided to an authorized private company who charges a non-trivial commission. This is problematic.

On the other hand though, I returned yesterday from a business trip to Israel, where taxes fund a highly functional and adequate healthcare system, but many well-to-do tech workers also pay for private health insurance which allows your family members to be seen almost immediately by a specialist when needed. I would be okay with this system in the United States as a compromise to supersede the dysfunctional system we have now.