Dear Bonnie, well said! Only one problem, you are preaching to the choir.
And the other side has to have a desire to change or we will never meet in
the middle!  Unfortunately until the consumers assert themselves ( or maybe
the ins cos.) they have no motive to change at all, only get worse, more
convinced that their way is right, safe etc.  I don't know the
answer...........Sincerely, Pat in SNJ