The effectiveness of medical care tends to be overrated, while the hazards of medical treatment tend to be underrated. For this reason I am convinced that, in our current situation, lack of access to medical care due to lack of money is no more problematic than is lack of financial restraint in seeking medical attention. Inability to obtain wanted medical care is commonly lamented without any recognition that broadening access without restraint may also be cause for lament.
Excerpt from "Ethical Issues in Medical Insurance"
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