Oops, I forgot to mention.
I originally created the Medical Savings and Loan as a product line to be offered by an insurance company.
I chose this route because I wanted a controlled experiment.
I put forward the proposition that: "People, if given greater control of their finances and given good information about buying medical care, would do a better job spending their health care dollars than people in a controlled group pool."
Creating the MS&L as a product line would allow the insurance company direct control over all the variables.
I have always accepted the possibility that I am wrong. If the policyholders proved completely incapable of managing their resources, one could roll back the experiment with less damage done.
This idea of creating a test case is similar to methodologies used in science.