RB, your comments remind me of a conversation I had a few weeks ago. It seems the medical industry + government forces everybody into "cadillac" service when a lot of people can't afford, or don't need anything fancier than "pinto" service. I can't afford insurance therefore I can't afford medical care. I should be able to go a little further down the road and find a cut-rate doctor who can fix me up for a reasonable price. But there isn't one, so I just go without a doctor at all.