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I would not say you are nitpicking: I just don't agree with you. Most Americans probably are happy with their doctors, but I think most people of average income / policies would prefer better coverage -- I know mine was "rather lean". Many have had run-ins with their insurance company, and / or are very much aware that increasing premiums are a reason their coverage has diminished or a bigger portion of their paycheck is going to the premium (either directly, or indirectly, as in maybe the company's profit sharing was dimished to make up for increasing premiums.) And, many a would-be entrepeneur is given pause by how much they will be paying for health insurance for their family, while perhaps not making much in the first few years of their business. They may not blame that on the insurance company, but they know costs are out of control.* Even my old boss, who started his company from virtually nothing, built it to over 300 employees, and is generally pretty conservative, often griped about how "you know who has the nicest buildings in a town - the big insurance companies." (This picked up after HE had a run-in with our insurance company at the time!)

*The costs are the MAIN thing people are uncomfortable with, and everyone has their bogeyman, whether it be supposedly greedy insurance companies, supposedly greedy doctors, or lawyers, plaintiffs, the government, and illegal immigrants.

The grass roots uprisings are happening because people do not want to see their freedom diminished, their health care rationed, or, ultimately, their standard of living diminished by an ever larger government sucking away their livelyhood (which any clear thinking person knows will happen with gov't run health care: There are solid reasons consumer goods in Europe cost 2-3x what they do here, and their health care systems are part of that equation.)

I'd guess that if you poll protesters at a town hall meeeting, the vast majority would say Congress DOES badly need to do something to reform tort laws, or increase the supply of doctors. Plus, they might add that govt's involvement in health care payment has already seriously distorted the system, and put an unmanageable load on Federal and State budgets. So, I think they would disagree with your use of the word "perfectly happy" or "runs perfectly well".