IT is beyond our control because we have setup a system where the people who are paying don't want to control things.

My boss wants insurance to be expensive - if I could afford it I would be more willing to quit (retire early).

Finding cheaper services isn't in my interest - I'm not paying any bills anyway.

Insurance companies like the complexity because it means I can't understand the system and so I have to use them.

Doctors don't really care as they just have administrators play the game for them. Once in a while they look at the game and say something, but really this is just they don't understand how the game is played (they shouldn't - they are doctors, they should be looking at medical issues not administrative ones).