katlaughing,

I totally agree that insurance is a huge part of the problem. Have you ever considered what would happen to, say, grocery prices if millions of people had "grocery insurance"? If millions got "free" groceries or had only a low co-pay? If the poor had "Foodicaid" and the elderly had "Foodicare" and both got their groceries without regard to their real cost, but with their grocers heavily regulated?

Kent