>>And you are validating the point I was making to Tamar.
Sure am: tort reform in Texas seems to have done some good, though there are people arguing against it to this day.
FWIW, I have experience of a system that maintains a "no fault" Accident Compensation scheme that covers losses from all accidents, including medical misadventure, funded by a levy on workers and employers. This system covers your losses so you can only sue for negligence (though you can still raise professional complaints against physicians etc). It's very cheap and nobody is left out. An obstetrician in such a system will pay a few thousand $ for malpractice insurance.
"... They ne'er cared for us
yet: suffer us to famish, and their store-houses
crammed with grain; make edicts for usury, to
support usurers; repeal daily any wholesome act
established against the rich, and provide more
piercing statutes daily, to chain up and restrain
the poor. If the wars eat us not up, they will; and
there's all the love they bear us."
-- Shakespeare: Coriolanus, Act 1, scene 1
