In Irish law, busking is considered vagrancy - you can be arrested for it. It's risky asking people for money in public. So it's not like it's a high-art job. And people who do it as a high-art job make very little money.
If you spend a whole afternoon just eating popcorn and watching football, there's absolutely nothing wrong with that. But if that's all you do, you get swept along with the tide, without any idea of where you're going.
An 'exchange' would allow everyone to choose their health care insurance from a broad range of options - just like federal employees and Congress do right now - and allow their employer to help pay for it.