My high deductible plan where I have to pay out of pocket with pre-tax money, whereas the insurance company makes 15k to 35k a year and pays nothing on average is a clear-cut case of double dipping. Then effectively cutting off people before they retire, then collecting money from guaranteed tax dollars.

Our private health insurance is designed to extract the most wealth with the minimal amount service.

There's a huge class of non-productive wealth extraction business models and that's become a huge strain to the US economy. These classes of businesses need to be pushed aside; in favor of wealth extraction businesses that are actually productive.

But for this to happen I think the right funding in the right areas of government are super important.