just skimmed what you wrote as i have to take off, but it sounds like we are, in part, agreeing. however, maybe i just misread what you wrote. the two are apples and oranges.
getting back to my original joke: get rid of medical insurance all together! if you don't have the money for a liver transplant you should probably die. there are slight ethical problems with this, thats why I call it a joke. Is it a joke to you?