1. Regulation is not the cause of high healthcare costs in America. One could argue that the lack of regulation in certain areas could be responsible for price hikes[1] in healthcare.

2. Charity has had thousands of years to solve societal problems, yet it didn't. What you're describing is a pipe dream.

Within the span of a less than a century, countries around the world have addressed healthcare effectively such that care is available to most, if not all.

[1] https://en.wikipedia.org/wiki/Martin_Shkreli#Daraprim_price_...