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.
Guy, I'm not sure why you worship greed or think every solution requires someone getting rich. Oh, wait, some closeted homosexual on Hate Radio said that once. I wouldn't credit
you with an original idea.
Here's the thing. We've ALREADY found the solution. I was the same solution the Germans found a century ago and the British found 50 years ago. Single payer. Everyone gets covered, the rich get the same treatment the poor get.
Sounds completely reasonable to me.