Or it means everyone has to deal with just how broken the system is, together, regardless of whether you knew the and could take advantage of the cheap way or not

Not that it'll play out like that, America still has a wealth inequality problem that will insulate some that would otherwise push for a less-broken system. But I'm optimistic by default, and the bright side is more people complaining, loudly, at how broken America's health care system is, and pushing for a fix.