"Note: I think public perception of healthcare as a moral good in principle is correct. It's just that there's a wicked mal-alignment of incentives which leverages that perception to cement a bad solution in place."

That is everywhere now. Birth, education, courtship/marriage, employment, ... all the way to death - everything is analyzed, pessimized, and stripmined for every last penny. "Enshittification" is all over HN and with good reason.