The fact that a breakdown has been "imminent" for more than a decade is telling.
Yes I know, and I partly quoted it for ironic value. But the reason, the system keeps dragging on and on without falling apart is, it is financed by the state. The state helps the public health care system with tax money and in turn amasses more and more debts. But the ridiculus amount of national debt in all the countries is a completely different matter. I don't think the system is inherently flawed. It is just not working right now. The recently elected secretary of health went imho in the right direction by attempting to reduce the costs of pharmaceutical products. I am not sure how good it will work, but it is a start.
The reason why worry kills more people than work is that more people worry than work.