I don't want us to become another Netherlands. I don't want to live like that...but that is exactly where we are going. Life has been devalued to the point that we are now cloning people and harvesting them for their organ tissue. This country has some major issues, the least of which is monetary.
You are exactly right. However, unusual random events are the raison d'etre of insurance. I do not claim that people don't have bad luck, or that bad things don't happen to good people. I do, however, wonder why people who havn't had catastrophic bad luck (such as being born deformed) can't get it together enough to at least buy insurance after 65 years of chances to make it.
As for healthcare being expensive because of government influence: that's at least partially right. It's clear that basic care is priced up by government requirements that everyone involved have a license, be bonded, etc. It's even pretty clear that some new medical technology is delayed and expensive because of FDA intransigence.
On the other hand, some real "wonder medicine" would likely be expensive no matter what. MRI machines require huge, expensive magnets and electronics to work, lumbar laminectomies require specialized surgeons (who can charge high prices because few surgeons can consistently succeed with them), etc.