I think we are talking past each other. My argument is not that lower prices for medical services wouldn’t lead to lower insurance costs. My argument is specifically that increasing supply doesn’t necessarily lead to lower prices for medical services. It would be quite a finding if US cities with more doctors per capita have cheaper medical services but if anything the opposite is true
Be that an aptitude test or anything else... unfettered usage of vehicles is dangerous in the same way that unfettered access to AI is as well.
As a society, we have multiple different levels of certification and protection for our own well-being in the public's when certain technologies may be used to cause harm.
Why is knowledge or AI any different? This is not in opposition at all to access information or individual liberties. No rights are violated by their being a minimum age in which you can operate a vehicle.
Outlawing certain kinds of math is a level of totalitarianism we should never accept under any circumstances in a free society