Why is it you completely misconstrue what Joe and I are saying?
I didn't. At all. According to you, people like Joe are completely responsible citizens how check their policies, get authorization, etc., have the surgery, and then are told by the insurance company "Ha! Ha! You lose, sucka". So according to you, this sort of unethical behavior requires government intervention.
My question is -
why? You and Joe claim to have found a problem. Do you know how people get filthy rich in America? They see a problem and they solve it. When Kevin Plank was playing football at Maryland and hated his cotton shirt retaining water and sweat - he didn't ask government to force cotton producers to improve their product. Instead, he went out and created Under Armour. He's now one of the wealthiest people in the
world. If the insurance companies really operate like you and Joe claim, by forming your own and not doing to people what you claim these companies are doing, you will make billions. Every consumer on earth will sign up with you.
So again I ask - why no solve your own problems? Don't sit on the sideline crying to government like they are your mom and dad. Get in the game. Start solving problems. You'll not only preserve freedom and liberty for us and for future generations, but you'll get unimaginably wealthy while doing it. It's the perfect win-win.