I agree they're not the source of the problem, but I'll double down on my choice of the word "nasty."
Yes, the problem is the system. I suppose we're all to blame at some level, but there's very little an individual can do but play the hand we're dealt, and vote. Apparently the majority of "us" vote for those few who benefit from the current system, and against our own best interests.
Insurance is supposed to be a way to pool risk. Since we all need health care, it's not really a good way to pay for that. I'd go so far as to say it's not really insurance (except for catastrophic or long-term care.)
Companies exist to provide a product or service that customers need, first and foremost. Selling shares is just a way to raise capital for expansion. I'll never understand the argument that shareholders are the sole reason for a corporation to exist, and that theirs are the only interests which matter. We've all seen good, solid companies run into the ground by the MBA crowd trying to maximize profit at the expense of quality, customers and employees.