You quite literally attempted to place blame directly on the hospital and its staff at least once, and implied it multiple times. You also are attacking the for profit healthcare industry in the US (which is bad), but also are refusing to acknowledge the failure of a UK entity which is participating in, and profiting off, the same for profit industry. Rereading all your comments, you have refused to acknowledge the insurance company as the party at fault. The closest you come to admitting it is saying "the system is bad."

So maybe we can end it with a conciliatory agreement, since you "admit defeat" by writing out a comment attempting to reframe me as some sort of aggressor.

So: we both agree. The American hospital, by participating in the for profit health industry, de facto sucks. The for profit health industry in America, sucks. The insurance company, by participating in the for profit health industry, de facto sucks. The insurance company, specifically, is the party directly responsible for this specific issue.

Agree to those statements, as each one is factually true, and I'll concede that you aren't trying to whitewash the insurance company's participation in the course of events.