if it replaces a larger amount of money that the consumers were already spending

That's a good point and I wish more talking heads would take it on and clarify it.

Can't count how many times I've had friends, libs and cons alike, start talking about how expensive a nationalized health care system would be, and I tell them that no, in the long-run it'd be cheaper overall, if less effective for some, and they just go catatonic.