> People are exposed on a regular basis to the DMV, the SBA, to Social Security or to Medicare. Then they compare that experience with the avg experience with a commercial insurer, and it does feel like a better experience (of course, if their employer can afford it)

This probably varies regionally.

My local - upstate NY - DMV is quick, efficient, and the folks there are pleasant and competent.

My private health insurer hasn't been able to fix my website login for four years, routinely denies care for chronic conditions, and fulfills most of the nasty stereotypes about government bureaucracies.