I am so excited about the collapse of the medical industry...
What leads you to believe the industry is collapsing?
If we give everyone a 30 year mortgage, financial capacity demand for homes is pulled forward by 30 years. If we make everyone pay cash instead, houses would be incredibly less expensive. In short, the 30 mortgage becomes an inflation tax (and we charge you capital gains and property taxes on it). Insurance is no longer insurance, but rather another collective means to tax the population. Now it has become mandatory and it even they tax the insurance benefit.
The powers-that-be pocket all the profits. Innovation is stifled by the decreased degrees-of-freedom. Etc...