Isn't the crux of the problem that it costs $3k/day for a hospital stay to begin with?...

A bloated health care industry that inflates prices on medical services, making "insurance" the only viable option for payment, seems like the main issue that demands reformation.

Worse , the bulk of debate is focused on how to shift responsibility for covering that $3K/day rather than figuring out why is costs that much and how to make it cost less.