1. You can and do have the ability to buy insurance across state lines. Try this, look at who your insurance provider is, and look up where their main office is located. People like to bring this up as such a hard thing for insurance companies to get around, but the reason it is not brought up a lot by proponents of reform, is that currently it does not matter because most peoples insurance is from companies that are out of state.
2. I love capitalism, but that doesn't mean that
is true.
Because let's say I am a auto maker. And street cars start to become popular, that is not good for me, and may severly hurt my sales if I don't stop them now (Look at Europe which CJ likes to point out that usually has only 1 car per family). So I buy up the street car companies and all the patents that may hurt my business and shut it down.
So it does make money from destroying other successful businesses. And that hurts the economy of the country, because we now have less choice of transportation. Which means less choice, which means we pay more for less.