I understand the system and entitlements, I worked in healthcare for ten years. You will find many healthcare professionals that feel the same way I do about our system.
So, do you just want an answer to the question you posed then? I would give you one, but I suspect that you really want to change the system and not simply ask the question, "What is wrong with a two tier health system?"
I will return to one of my previous responses. Are there any agencies or groups that are working to change the present healthcare structure to your satisfaction? If not, you should start one.