As with anything new that is this large and complex, there will be problems and adjustments to be made. There is no way to foresee all the use cases that the solution would encounter. You do not throw out the baby with the bath water. Simply identify where the problems are and scale or evolve the solution such that the problems are addressed to the benefit to all! You do not have a better plan, so stop pretending you do! Be smart! Fix what is wrong with ACA, as it CAN be fixed! The stupid move is to start over completely and hurting millions, yes millions, in the process. Come on folks... please get real!