I don’t think anyone is deluded enough to think for-profit insurance does anything altruistic. There is comparison at all between UHC and a charity.

In a purely ideological way I see and understand what you’re saying. In practice what I read from your message is “Charities should pay less and take who they can get”. Maybe there’s a competent altruist, and then maybe charities and nonprofits that don’t get competent staff at a “charity appropriate salary point” can just… dissolve or something? And they should do that whether they have the money to pay more or not, because charities paying more money is just flat distasteful.