I very much appreciate your reply above.
With all due respect, & in complete sincerity, please accept my pre-apology for adding more useless BS:
Obviously, for one given patient & one particular triple bypass surgery, there may be such a thing as the one best surgeon in the world. But the buyer of an HMO policy has full prior knowledge before agreeing to the insurance that the chances of his surgeon being on the same playing field as the one performing the same procedure on Bill Gates or El Presidente are very very slim to none. HMO's are given the opportunity to find the best & lowest rates for the customers, after choosing from a list of board-certified licensed M.D.'s to contract with to perform the surgery. That's the exact nature of the business. An HMO hiring an unlicensed person to perform surgery is guilty of a civil crime & probably criminal also. Along these lines I am in favor of some type of online rating system for M.D.'s.
There is no such rating system for high-end. We have only the UL listing, which certifies a component is unlikely to start a fire in normal use & nothing else. And UL certification is not necessarily a legal requirement. It might be required by an insurance carrier. It may also be necessary to avoid being personally sued in the case of fire. A person buying an audio component can go by only his own personal experience & the reputation of the store & manufacturer. If you don't know shit about audio & you buy Levinson, you must, in any case I can imagine, have more money than brains. The only people who know nothing about guitars, & who buy a Martin HD-28LSV or high-end Martin anything as their first guitar, are badly spoiled brats who don't deserve the instrument. The sentence for being found guilty of the crime of getting burned by Levinson is to be forced to look in the mirror & say to oneself: Do better homework next time.
I don't know the penalty for an HMO hiring an unlicensed individual to perform surgery, but it's a lot worse than the above.