Questions for the Health Care Conservatives

I've been listening to the health care reform debate with increasing bewilderment. Not over what we should do. I've already been pretty clear about that. No, I really want the answers to these questions:

• Why is a private-sector bureaucrat incented to not pay for your health care better than a government bureaucrat whose directors are incented to keep you healthy?
• How can you call the insurance market, as it currently stands, a competitive marketplace? Most companies contract with only one insurance company, so the only way for most people to choose their insurance is to go work for someone else.
• Why are all the expenditures made by private insurance companies, the lack of which expenditures constitutes the supposed advantage a public option has over private companies, so valuable / important that we should continue wasting money that could otherwise go to keeping people healthy?
• How do you sleep at night, given all the lies and bullshit you're tossing out there to make people afraid?