Drentel - I agree it would be the best situation if everyone had no-deductible health insurance. However, I think the high-deductible policies serve a vital role in this not-perfect world. At least with these policies, people don't have to go to the doctor or hospital without any coverage.
In my experience, I have found that many people don't go see a doctor or go to the hospital when they are ill because they are worried about paying the medical bills and they have no insurance. The so-called cheap health insurance policy motivates more people to make those visits to the doctor and take better care of themselves. This benefits us all.