Photo above - The good old days. Was 1960 the last "normal" year in America? You could get a newspaper for 10 cents.
I get 100 spam pieces a day ranting about inflation in America. This is a lot, but I couldn't say how much the spam rate has increased....
As for me, my guess is that it's a classic both-and... providers and insurers contribute to the cost, as well as the legal system, the culture, the psychology, etc; where the biggest 'culprit' is unconsciousness and an incentive landscape that is locked into place....