You missed my point, which was that factors that influence productivity are more fundamental than those that influence consumption.
Nobody (sane) enjoys going the doctor.
Nobody (sane) enjoys going the doctor.
"many academics and health care leaders found the idea of health insurance so appealing as to have a bias blinding them to the negative impact of moral hazard"
Your point has not been missed. It's just wrong. But don't worry; you have lots of company and you won't be left wanting for support from lots of other wrong people.