> Also, as your description of overcare is happening under the current system, a profit-oriented one at that (which incentivizes the ordering of unnecessary tests and procedures)

Profit is part of it, but the legal system and culture are equally big parts. Malpractice claims are handled by jury trial in the U.S., and you can always get a doctor on the stand as an expert who will tell a jury that it was negligent not to order a million tests. The UK NHS avoids that by having the NHS set the standard of care. And malpractice claims have to go through an administrative system before resorting to court. And culture is big, too. Americans aren’t going to tolerate being sent to hospice before blowing through $1 million on heroic but futile end of life care.

> it sounds like you would actually benefit from a non-market-controlled, more modest (even austere), system!

I support such a system. My point is that there would be no political will to enforce modesty and austerity.