lol, why on earth would we want to advocate for a system where the poor have to rely on the charity of for-profit institutions? Try that at the grocery store. We already have kickstarter campaigns for insulin. What you're advocating for is inhumane and shameful for a first-world country. It's shameful. And it's all besides the point.

A voluntary exchange between buyer and seller prior to exchange is necessary for a free market. You're describing a failure mode where a service provider is about to be screwed out of compensation and is willing to settle for less just to get something.

It's hard to believe you're advocating so hard for something so inhumane and dysfunctional.