"Healthcare shouldn't be a market. That's why you're paying $40k."

I see your drill down to fundamental issues and I raise you:

Pregnancy is not a sickness. Hospitals are for sick people.

If we reserved hospital birth for women and children with actual medical problems we would allocate resources much more judiciously.

An added benefit: not exposing otherwise healthy (and capable) women to an almost universally disempowering and disenfranchising birth-industrial-complex that seems designed to engender fear, self-doubt and pathological outcomes.