>If you think they are skimming money, then there has to be a way to offer the same services cheaper (without the skimming). So instead of complaining, do it. What's your excuse?
What if they are skimming money precisely because they made it difficult to offer the same services cheaper?
How would "they" make it difficult to offer the same services cheaper?
The only institution that can do that is government via regulations (like who can practice law or become a dentist). I agree that there are some (many?) fishy regulations like that. But that is on the government, that is, socialism. Only free markets can guarantee fair prices.
What if they are skimming money precisely because they made it difficult to offer the same services cheaper?