It's not very hard to define "worse outcomes"... the US trails other developed nations in just about every wide-reaching healthcare metric at this point. If you have counter-examples, feel free to raise them.

> In other words, the system complains that people don't do something that the system prevents them from doing.

Uh, this has nothing to do with the system, and mostly everything to do with behavioral economics and risk pooling. People are poor at investing in preventative care, because the benefit is extremely hard to perceive at the individual level. And they over-invest in end of life care, because, well, they don't want to die. That's not the result of "the system", that's human nature. Attempting to build a healthcare system on how we "should" act instead of how we actually do isn't a plan.