I have no idea what your point is the on "growth is good" mentality. Healthcare expenditures grew exponentially over the last half century, fine. You know what also improved exponentially? Healthcare, healthcare outcomes and patient experience. I have no idea what you're talking about when you say going for a clinic visit is paying for an hour of service and only getting 15min of attention. Who said you were paying for an hour of service?
You're correct. Its a moot point if we are not willing to overhaul the system. And I dont mean ACA or socializing the insurance system (which is what everyone is screaming for now). If we are willing to explore options like removing inefficiencies, socializing certain aspects, or other creative ideas, we can drastically reduce costs to the point where we only insure catastrophic events like car accidents.
Cost analysis. The infamous example is the military paying $600.00 for a $15.00 hammer. Or insurance company paying $120.00 to administer 2 Tylenol tablets to a patient. These are not fraudulent claims. This is what it takes to maintain business. And the whole industry and government has come together and agreed this is an acceptable model. What if someone could come up with a competing model that would reduce overall costs 50% and lay off half of the medical industry while in the very least maintain the same quality of healthcare we have now (which is very poorly going through the insurance system). Do you really think anyone would be down for that?