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There is something morally wrong when CEO's and upper level mangers of HMO's are making millions and billions of dollars and less fortunate people are denied health care resulting in chronic pain and death.

Well, the CEOs and beholden to the shareholders, and the upper-level managers are beholden to the CEO. So you have to look at the shareholders, ultimately. As long as the primary concern is profit, then morals are the first thing to be defenestrated.