>>>Compensating pharma reps based on the number of prescriptions their assigned MD's write is obscene.
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>If you can dismantle opportunity of undue influence over physicians to score prescriptions, it's just the standard sales territory model, surely.

They do that for a reason.
Several studies have shown that commission based sales are more effective for the marketer and less effective for the consumer.
The late Wall Street meltdown demonstrated that clearly.

However, the classic model in New York is SBLI - Savings Bank Life Insurance.
In New York savings banks can sell life insurance, but to keep traditional insurers happy, they are prohibited by NY law from paying sales commissions.
Because premiums are based partly on expenses and commissions are a huge portion of life insurance expenses, SBLI premiums are at least 25% lower that their competition in the insurance business.
By any measure SBLI is an infinitely superior product, but SBLI sales are dwarfed by sales of traditional insurers. They aren't even a rounding error.