For-profit health insurance has been the main driver of health costs in the US. For-profit insurance means that the major goal of the insurers is to find reasons to avoid paying claims.
That's a bit more like it. For profit healthcare =/= for profit insurance. The former can have the latter, but it's not a mandatory property. What makes it really bad is that the latter influences legislation to bloat it even more, and actually influences medical judgments (pretty directly depending on what you consider). This also meets the criteria of distancing it from the products I mention - they have no such insurance bloat and nowhere near the influence on policy/law.
This goes with malpractice too - even this is insured, and not cheaply.
Incidentally, since you bring up "cost disease"- you yourself claim that Civ 4 is objectively better than Civ 5 which is objectively better than Civ 6. Which one of those games cost the most at the time of release? Which cost the least? Why do you think that might be?
Actually I pin Civ 4 > CIv 6 > Civ 5. If I ever typed otherwise, it was a definite typo. Civ 5 was trash by design and while I have serious issues with Civ 6 UI and prioritization, it doesn't shoehorn broken incentives and penalize war even for the winning side.
I actually don't remember how much each of these games cost at release; I was late to the party in Civ 4 BTS and beta tested Civ 5, meaning my particular price to access both of those titles was atypical. What were they each on release?
What do you mean by this phrase?
Earlier in the thread, discussion on US pressure on NATO implied that it seemed to be undermining the US own ability to use its relative military strength to influence world politics. It wouldn't surprise me if such posturing (and looking cozy with Russia) is instead intended to squeeze countries financially, regardless of whether such would be effective.
Either way, whenever something catastrophic happens in an insurance "market"(like homeowners' insurance and a disaster) it's the public on the hook for the tab because magically, the years and years of profits didn't somehow market up a cushion of cash available to pay out when you get the hell year insurance is "for." It's been pissed away on marketing and salaries and dividends.
Only possible because of their ability to influence legislation. You're not wrong, but in a more honest system it's put up or bankrupt. Even if the public dime still winds up rescuing people, at least they'd have disincentive at the investor and firm level to piss away this money because the firm would stop existing and so would their own jobs/investments.
If there's anything in markets that needs to be fixed in today's environment, one of the first priorities needs to be on removing all the rigged legal loopholes and overt dishonesty. Pretty hard to do, and also pretty hard to come up with process that blocks people from rigging laws in their favor in the future.