Paul
No you don't need to force them to work, perhaps it's not a good idea to see a tired surgeon anyway, but will they be tired during NHS or private time? In some cases they could be payed the same rate for NHS overtime as they do privately, but it is all a rip off. Who should pay? the same class of people who pay for private care in the first place via taxes, they just wait their turn like everyone else. In the UK we all have medical insurance when we are born without the insurance paperwork, it is called the NHS.
There are other ways. I think trained nurses could do 90% of the job of a GP and they certainly don't get paid a fortune. In fact a GP once told me that 90% of the work was dead easy and common sense and only 10% of cases require any skill.
Ultimately, it all comes down to the age old argument, should everyone have access to the basics of life: equal rights to health and education, a few say yes, some say no, most in the UK believe in a half way house in which the rich have the fastest and sometimes better treatment but the average person has a basic safety net, or if you are lucky a bed!
I disagree with Americans about their freedom, they have as much freedom as the best Doctor, teacher or Lawyer they can afford and this is becoming true more so here. The rights to free speech is of limited use if you are bedridden, illiterate or in prison, especially in US Cuba.
Housing, yes supply and demand is the driving factor, but like the stockmarket the housing market can overshoot and it could lead to tears if interest rates rise. The UK is not the only country which is overcrowded, Belgium is more so and far cheaper. I was just pointing out that high or rising house prices do not confer wealth unless one can cash in like in the stockmarket.