I don't think the ACA was a failure, it improved some of the most glaring issues, and made a big difference for me personally. US life expectancy has continued to rise over most of those 30 years. Affordability is worse, this particular problem of scammy, "let's maximize profit by dishonesty and disregard for humanity where we're likely to get away with it" insurance is worse, but the system as a whole could be allowing more death and suffering than it is.

If it fails also then oh well no harm done. At least to no one we’re not willing to lose.

Maybe it isn't the person that is the loss, it's the risk of further increase in the general level of fear, corruption, violence and chaos. Political murders aren't free. If the answer to how the benefit can be worth the cost (or even how there is any benefit) is "dunno lol" maybe it isn't.