That is a matter of opinion; the legislators have an unfair advantage - they get to decide what is illegal for themselves. However, if you get into moral territory, then businessmen get an unfair advantage because they don't need hypocrisy to be greedy.

Digging down a little further suggests that creating large pots of money is itself the problem; it creates complacency, attracts greed, tends to promote fraud/waste/abuse. It is also not always avoidable. There's the rub.

So I have reason to believe that aggregating health care dollars is a bad idea; that it would be better to have individual providers advertising and individual patients paying; that insurers make a hash of it, and that government would make a worse hash of it. You have (what I considered unfounded) faith in the government.