>>> It's not the doctors and nurses, so where is it?
Are you sure of that?
There are only 3 parties - caregivers, patients, and insurers.
Yes, insurers are skimming, but a whole lot of people are covered by Medicare and Medicaid, which are non-profit.

Patients aren't getting any of the money, that's for sure - unless you consider malpractice awards.
The AMA has done a great job of vilifying trial lawyers for the incompetence of its own members who routinely put people at serious risk for cosmetic improvements.

Unless you can find someone else, that only leaves one group that is skimming most of the cash, John.