you're right, I really should have said "poorly regulated capitalism." My comment on "unchecked capitalism" was more of a commentary on the lack of trustbusting for vertically integrated behemoths like UHG/OptumHealth/Optum PBM/OptumRX and for regional near-monopolies like UPMC.

Healthcare has a lot of regulations, for sure, but it adds a lot of complexity doesn't result in a good system for users -- so, bad regulation. OTOH, I think FSI regulations like Glass-Steagall and Dodd-Frank, as well as regulatory agencies like the SEC and CFPB (gasp!), have been huge successes for retail users of banks and financial markets -- so, better regulation.