On 1:
So, the big thing is that you never actually want to replace the doctors. Their egos won't allow that, they'll see it as an existential threat (which it is), and most importantly: you don't want to give that kind of power to a device which doesn't function as a moral agent.
On 2:
Sometimes, you'll be getting advice from somebody like tptacek...sometimes, you'll be getting advice from losethos. I wouldn't trust my healthcare to random bozos on the internet.
On 3:
Almost all of it is their problem, I'd say.
The increased focus on billing and everything else means that the doctors have to deal with madness they wouldn't have to otherwise. The fighting and billing cycle can take literally a year, so no honest doctor is at an advantage not billing everything they possibly can, and any institution (read: hospital) is going to force that sort of hand-wavy arithmetic (because of the opposition of insurance providers, in turn because of previous bad actors).
The amount of money thrown into these maws anyways (from both insurance and Medicare, a weird issue unto itself) serves to raise the price floors so that you can't even pay for yourself if you want to, because you're literally on a different marketplace.
The companies also go and force you to use doctors that aren't necessarily convenient to you, maybe many miles away. If you try to use a local physician, well, tough shit, you might have to pay for them anyways.
I could go on and on and on and on...
It's a fractal of sadness.