2. Have you considered that Adam Smith's anecdata from 200 years ago may not be accurate anymore?
Having made progress since 200 years ago is no excuse for piss-poor progress compared to where we could be.
I'll restate my earlier point. The vast majority of Americans would suffer huge financial setbacks (to put it lightly) from one visit to the emergency room. Health insurance historically being tied to your employer isn't the problem, health insurance itself is the problem. It's a predatory industry which has successfully lobbied to make healthcare immensely lucrative for themselves and financially ruinous for average people.
It's interesting to me that you still think nationalized healthcare is "stupid" even though dozens of countries [1] have successfully implemented it. And yet you can look at the system we have here in the US, and say "oh it's just that it's tied to your employer. Otherwise it'd be fine." Healthcare isn't a commodity and shouldn't be marketed as such. The evidence that nationalized health systems can work well is everywhere. I also refused to see it for a while because of internalized fear of the "socialism" boogeyman, but turns out you can just do it and still have a capitalist market for other things. Go figure.
1. https://www.health.ny.gov/regulations/hcra/univ_hlth_care.ht...
Medical care has always been expensive. We have made a lot of progress: 200 years ago those ER bills would be zero: because everyone just died from what we consider solvable today.