I don't know what you think is "false" about my scenario. It's fiction, but it's far more realistic than the picture you painted. Your claim that >There are ve

I don't know what you think is "false" about my scenario. It's fiction, but it's far more realistic than the picture you painted. Your claim that >There are very few scenarios now where the consumer benefits from saying "no" or "less" to their doctors. is totally off base. The primary benefit to saying "no" is avoiding damage to your health from dangerous and unnecessary treatments that American doctors have a financial incentive to sell. People in the U.S. have their life expectancy reduced every day because we, almost uniquely among developed countries, have removed nearly all limits on the cultural acceptability of medical professionals and the medical industry as a whole treating patients as sales marks rather than patients. If you would like to experience this firsthand, respond to any AdWords or TV advertisement for a medical treatment. The sleaze is limitless. >They tend to gloss over who actually decides when a procedure isn't worth it. Salaried civil servants with advanced degrees who have an interest in cutting through BS to protect the health of the country. If you want to reduce people like Frances Kelsey to "unelected government officials" be my guest, but you're only showing how naive you are.