There's still a ton of society loss / deadweight because of the consequences of not having those services; the question is, how can we restructure the supply side of the argument to make it possible? For doctors+nurses, it's via government subsidies (income-based repayment, federal grants).

ie, the cost of security breaches isn't to the companies being breached -- it's to the consumers who lose their PII/PHI to hackers. Or who lose access to a service they love using, because they can't keep running without a security expert.