I think you make a good point, downvotes notwithstanding. A "market society" inherently rewards people who are good at "the game." Which is fine for most things: worst case scenario you pay too much for a shit car.

But having to play that damn game when you life is on the line is inhumane. There's no time out zone.

Yeah, it's wonderful how you can make it in such a system. Just imagine - a self-employed blue-collar worker slips with his car on a wet road. He loses his wife, his unborn child and his leg. He sells his house to pay the bills of the hospital and the mortician. His parents also pay some bills because he still had not enough. And then after a year or so on the street somebody tells him how negotiable these bills were. The American dream...

I hate negotiating for shit where my own identity is economically irrelevant. I suck at it, so if I go and buy a car I'm basically subsidizing people that are better at haggling.