If I had to chose between making more money off screwing over an unemployed middle aged person seeking medical treatment or less money not doing that, I would choose the latter. As would most people, because they’re not depraved.

That's not true at all. No need to speculate, insurance companies are real. In fact, you're complaining about the fact that most people have already chosen the former. Is the medical industry really filled with depraved individuals? I suspect you're looking at this differently than them, and I'm interested to know where you think that disconnect might be.

Most people don’t work in the health insurance industry…? But the management of health insurance companies are almost certainly filled with depraved individuals. They’re repeatedly caught engaging in all kinds of evil and deceptive tactics to deny people necessary treatments, including those in quite desperate circumstances. The lower-levels? Who knows. Like a lot of other human suffering industries in the US, they probably just compartmentalize it away or are steered away from thinking about by the c-suite sociopaths who run them.