>>Everybody pays, and the money goes to those who bill their services for the ill - be they doctors, transportation, pharma or insurance itself.
Now you're describing currency and the economy. ;-) That's how currency is meant to work... correct?
"... 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