I agree with you. Nothing helps people be more careful with money than when they have to spend their own.
Which is why I love having a health share instead of insurance. I shop around for the cheapest care. I refuse tests that I don’t wish to pay for. I don’t pick up dumb or redundant meds. PEOPLE PAYING SMALL COPAYS WASTE A TON OF MONEY AND THT RAISES PREMIUMS.
Most medicine should be cash pay, and there should be responsible charities donating medical care for free. These private free clinics could insist upon conditions such as American citizens only and such.