Was about to say this. It was actually the model pre insurance era and was essentially how insurance began. It’s still the best model and only migrated into today’s bloated insanity due to the explicit bureaucratic menace and middlemanning its tentacles into every aspect of basic medical care.

In other words, I can’t see any way it becomes as disastrous as the current system… unless it just ties back into the current system. Otherwise it’s a far better, more direct, an cheaper model for care.