But if it doesn't work out, when the way they're using insurance makes no sense, they have no right to enlist government to bail themselves out.
That’s three unconnected ideas predicated on your opinion, not fact.
You've made an excellent case for what you don't want, but something has to fill that vacuum.
And it would. But we should be free to figure that out for ourselves, and not solutions dictated to us by government.
The solution is: Either you have insurance or you don’t. You can’t expect something you don’t have to work for you. Yes, you should be able to figure that out for yourself, but post after post after post, you still don’t seem to get it, or you’re just being petulant.