Honestly, these problems are deeply complex. The Insurance system isn't really insurance as much as it is a government created scam that tends towards centralization.

But the deep issue is that due to generations of the people being trained to trust in the government for protection they have become incredibly gullible. We have seen this in how much people trust in the medical establishment as well. I'm not trying to say "though luck" but I'm trying to say the incentives are not aligned where you CAN trust the government to protect you. The incentives are not aligned to allow incentives to discourage crooks organically.

Far too much of the population outsources its thinking and has very very little agency. Over and over again people trust in the government to keep businesses from taking advantage of them and the government fails. Not only that, the government creates systems that allow businesses to thrive in this environment by making it possible for them to gain credentials or fake credentials.

Its deeply complicated but at the root the real fix is for people to stop believing the government and the politicians. Use word of mouth (online as well). Build communities (people that care about you) and put more trust in people you know and know you than faceless systems funded by the state or corporations.