Yes, as someone outside the US, the fact that this is a thing is just... weird. When I go to the hospital I'm already worrying about health, I'm thankful I don't have to worry about money too.
Right now, it appears the US will have to learn this all the hard way. The financials are super attractive for people at the business level, and can be compelling for care providers, who may have expensive school to pay down.
For most everyone else, including many employers, it is increasingly painful.
The nature of the issue also makes change hard. Many people do not want to disturb what is working for them however painful. Can't blame them.
I do not mean to devalue the work. It's great honestly! Thank you.
That said, this is a major league mess most of the world would look at and wonder whether we are crazy or high.