There's a lot more than just "Insurer costs" and "Doctors' BMW payments" in the pie chart. Again, relatively little of it has to do with actually treating injuries and illnesses. And that's not even getting into the massive market distortions associated with forcing the concept of "insurance" into a market where virtually every single customer will eventually need to file multiple claims.

You usually come up with better arguments than this. We all have off days, I guess.