A lot of those costs are taken indirectly via suppressed wages as many people get insurance via employment. It seems to me that a great deal of effort goes into hiding the costs of services and products from those who are paying them in this market.

Yes, but the point is if regular people was faced directly with the cost people would be angry, when hidden by insurance cost it is not made as clear.

You expect the masses to think one step further, which will not happen on enough scale.