>>Perhaps you have experience with layers of bureaucracy and regulation making things more efficient and cheaper?
>>I would be interested to know how that works.
Sure- you can see it anywhere else in the free world. The US has the most expensive healthcare system and now is shown to have the worst quality. Looks like the market soundbites aren't working in real life!
http://www.commonwealthfund.org/publications/fund-reports/2014/jun/mirror-mirror
"... 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