You put enough steps between things and all of a sudden people have to use their brains to see it all working together. Americans aren't really taught to use their brains

I think some of it is framed as "well the insurance company doesn't have to give you anything, so it's not murder to deny coverage when they don't really owe you anything anyway."

But that just indicates the person saying it doesn't understand that our healthcare system is so fucked up because of the insurance industry. The price, the administrative bloat, the declining quality, all in some way directly traceable back to these piece-of-shit insurance companies and their fucking lobbyists.

because if we take the conclusion they are equally evil to its logical conclusion, it leads to some very uncomfortable truths - including the absolute barbarity of the status quo. Most people feel uncomfortable as they follow that line of thought, so terminate it early and obfuscate it