I thought by adding the bit about "navigating the complexities" it would prevent comment like yours. You're blaming the victim here.

"it is YOUR FAULT for not reading the fine print"... yeah I know. I am stupid regular guy who would rather NOT have to understand the fine print and have things just work better like the rest of the developed world.

You're an adult. You paid dearly for the convenience of an urgent care, and you clearly learned your lesson. You were not a victim, you were a sucker. In America, we do not reorganize entire industries to soothe the bruised egos of suckers. We just encourage them to do a quick Google search next time.