This opinion isn't actually all that drastic. If we just got people on the HSA + disaster coverage* train a lot of the issues with the system would disappear. I am far far from the cheapest patient but my annual spending doesn't even get to 50% of my portion of the premiums of my employer's PPO plan.

* Where if a doc prescribes insurance pays for it no questions asked (to you the patient). They can claw it back from the doctor if they think it's excessive. I think for disaster only coverage you could successfully pass laws to this effect without insurance companies starting a third world war.