hmm.... well I can agree with the jist of what your saying. Perhaps what is needed is a combination of HSAs and insurance. Meaning that people can, if they so choose, purchase catastrophic insurance that will cover expenses greater than 100K. Then, for the little stuff, the vast majority of expenses that they go through in life, they will have their HSA.
This will help bring down costs and market competition for at least a portion of the health care system.
Also, as they age, their HSA nest egg will build so they may choose to raise the limit on the type of catastrophic health insurance they want - to a 500K limit or something.
Of course, I do not suggest that government attempt to construct such a system - merely that it get out of the way and let people fashion it themselves as they so choose.