I am against any out of pocket or co-pays of any kind. I am for 100% access to affordable health care. I am also for facts, some of which support part of what you say. Other facts show that we can change things and make a system which works for most of us. The people it should not work for include venture capitalists who buy companies producing orphan or near orphan drugs, then jack up the prices. That could and should be outlawed. There are better ways to assure that unprofitable drugs continue to be available. I may be a POS, I do not contest your assessment. But, I am a POS with over 30-years of healthcare management and related experience, who thinks we need to all change our attitudes and work together to solve our collective problem, not blame entire groups of people for the sins of the few.