There’s no evidence that this occurs in a competitive capitalist market until you can show me an example of a competitive capitalist market which can produce insulin this way. The markets that do this successfully are artificially created markets based on a public health system.
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but all the providers and insurers who also participated in that cultural value have been eliminated, so basically the function of the value is now to prevent people from resisting being gouged
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I think it is impossible to make a properly educated decision about your healthcare regardless of cultural values. Can you reasonably ask a man with a broken arm to decide on which doctor he wants to set it?
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it doesn't seem *that* impossible, but accepting that it's challenging there are extremely well-worn ways to in effect make the decision before your arm is broken when you can be more rational about it
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