[cs702]

Yes, I see what you mean about the comments elsewhere on this thread/page. For what it's worth, I was only trying to avoid going off-topic ¯\_(ツ)_/¯

Regarding providers overcharging, the following article by Atul Gawande (from 15 years ago!) had a big impact on me -- it agrees with you:

https://www.newyorker.com/magazine/2009/06/01/the-cost-conun... / https://archive.ph/g8zXl