Dear Mr. Berko: What’s wrong with America when the drug company and my health insurer conspired with my doctor to deny a procedure and offer an alternative medication? Why has my diesel Volkswagen been recalled? Why did my mortgage company overcharge me by $3,692 and force me to resort to a lawsuit to get it back? Why were unauthorized fees added to my bank account? Why do defense contractors, such as the company I work for, get away with bid rigging? Why are stockbrokers ruining my pension plan?…