Most of the troubles we have with Healthcare in the US is due to very poor incentive structures. I'll never understand why people were surprised when investors realized they could buy niche lifesaving drugs and raise their prices by 6,000% since insurance providers would pay for them regardless.
Obviously they would do that. The system was never designed to reduce the incentive to not do that (ie. making it illegal). The problem isn't "unethical" people. Trusting people to act ethically without any disincentives (ie. Jail/fines/social stigma/etc) is like trusting your toddler to run safely around a busy intersection.
The question is, why do you invent stuff I didn't say? Is this show you get your highs? People like you are one of the major annoyances of online discussion.
If you want to create change in the world, you need rational thinking, not wishful thinking.