Absolutely, I'm personally super excited about my ability to choose between my single work-provided health insurance that tries to maximize the amount of money they get for a doctor's visit where the doctor doesn't even try to help me.
And I agree, we should punish those who don't understand the system. Let them die for their ignorance.
Computer-to-human interaction is vastly more complicated than computer-to-computer interaction. System complexity can be bounded by well-defined rules. UI needs to account for different screen sizes, input methods, human error, changing trends, even psychology.
And I agree, we should punish those who don't understand the system. Let them die for their ignorance.