I agree with almost everything you wrote, Jean.  I don't want to see my neighbors or friends or loved ones devastated by healthcare costs, either.  I wish everyone had the kind of healthcare SCF and ANTHC offer.   Everyone could have it, as evidenced by the all the other developed countries that offer single-payer, government funded healthcare to their citizens.  Every other developed nation pays a fraction of our costs and exceed our statistics on morbidity and mortality by huge numbers.  We are the lowest among all developed nations for most major measurements of health, but we pay the highest costs by far.  This IS us.  Things are this way because of who and what we are.   If enough people wanted different, we would have different.