What will us average Americans do with the money we save by bursting the "health-care bubble?" Well, as typical modern human beings, we will probably spend it on health care. Pills to make us happy, surgeries to counter our gluttony, procedures to make us look youthful, and inefficient, end-of-life, I'm-not-ready-to-die emergency health care. We'll either spend this money directly or demand government services to supply it (meaning higher debt or taxes). In other words, Americans spend enormously on health care because we want to, and if we had even more money to spend, we'd spend that on health care too. Nobody wants to be sick, and nobody wants to die.