upvoted this, but what happens with conflicts of interest? for example, what if insurance companies insure both patients (to cover medical expenses) and doctors (to cover malpractice lawsuit costs)? insurance company houses and systems are typically set up such that the house will statistically win out (a supposed small tax that pays for running the paper work, and manpower within an insurance company). In such a setting, where insurance companies insure both doctors and patients, the net motivation is no longer defending what works, but increasing throughput of interactions...
