American health insurance seems to frustrate everyone. Patients complain that it’s expensive and complicated. Providers say it buries them in paperwork and can negatively affect patient care. Poll after poll indicates that most people simply don’t trust their health insurance provider or the health care system itself. Fully 70 percent of the country thinks American health care has major problems or is in a state of crisis. Consumer satisfaction is at a 24-year low. Frustration with health insurers may have turned to rage in a young man accused of murdering a UnitedHealthcare executive in New York on Dec. 4. The alleged killer appears to have been driven by an idea soon echoed on social media, that the woeful tale of American health care is a story with a villain, and the villain is health insurers….