I think Yunohost is great. It was easier for me to set up that trying to figure out Docker. I run a few sites including AdGuard Home as well as personal Pixelfed and Lemmy instances with it in a VM on an older Ubuntu box. That said, I'm stuck on Lemmy 0.18.2 without pict-rs because the update script to the latest version available on Yunohost (0.18.3 with pict-rs) is broken. Oh well!
I think, from the perspective of the insurance companies, the risk is greater for insuring people's health than their vehicles. Also, people's lives are at stake, so it's basically just a complicated extortion market. I don't know I think all the pharma and healthcare industries should be nationalized and all the healthcare workers conscripted. Can't be worse than what we have now.
Wow.