First of all, I truly enjoyed reading this. I appreciate all your effort in putting this together. It was an interesting conversation between Goldhill and Kirsch. The Moral-Hazard Economy concept explained by Goldhill is thought-provoking. Also, I found an interesting article on health expenditure by Bajari et al., 2014-http://onlinelibrary.wiley.com/doi/10.1111/1756-2171.12069/full.