Originally Posted by L.A. BRONCOS FAN
You're on the right track with your narrative, but the doctors, clinics and hospitals are just minor players.
The major players in this swindle are the drug companies, the insurance industry, and, ultimately, Wall Street.
Wrong answer (per the yoozsh)
Providers are motivated to both earn more and CYA. Consumers are writing the checks for it on other people's accounts.
It's a classic fiscal "tragedy of the commons" scenario. Pooling even more resources into "the commons" is exactly the wrong solution. But that's almost always the prescription we're given.