Anyway, the real problem with health care is it's neccessity, combined with how removed consumers are from cost. And I guess add in a sprinkle of how complex (difficult to comprehend for the consumer) the product offering is.
I'm kinda sorta paraphrasing something I read somewhere before, but imagine if you went car shopping knowing you were only going to pay for 10% (out of pocket) of whatever car it is you chose to buy.
Most of us would make some pretty extravagant decisions that would never occur to us if we were writing a check for the whole bill. Also imagine that the car salesman already knows you're only paying 10% of the cost. Do you think he's going to show us the $6,000 well-maintained 2004 Civic in the back that is maybe really all we need?
No, he's taking us to the factory-new car lot. And only selling top of the line. And we'll buy it.