I don't think it's disregard for the complexity of actions. I understand that pretty well. No one's saying it won't be messy, but you can't make an omelette without breaking a few eggs.

I absolutely agree that there would be far-reaching consequences from hacks that neutralized the medical billing/insurance systems and the credit reporting systems, but I disagree with your assessment that those consequences would be a net negative. I believe they would be net positive.