Quote:Yes, it is a mess.One other complicating factor is consumer choice. Say you are incapacitated and your spouse needs to make a decision on the surgery that may save your life. Would they choose a) the first timer for $30,000 cost, b) somewhat experienced for $75,000 cost, or c) the world best in the field for $300,000? What if your employer paid 60%, or 80%, or 100%? What if you never saw the costs at all?
We don't make consumer decision's this way for buying most other services.