Sorry for the late reply, this one got by me.
I have no argument with your points. The financial issue is real. With that serving as a caveat, I do think there is some benefit to the MIL health system to be gained by treating civilians (to a limited extent, and with emphasis on certain conditions/injuries).
It's true that a BAMC doc could go off-post and consult on burn patients, but that scenario leads to limited benefit. Sure, the doc hones his skills, but the overall team at BAMC does not. There are scads of people on the multi-disciplinary team who benefit when the patient is transported to, and seen at, BAMC.
What I don't know, and maybe someone here does, is whether the DoD can recover some costs from a patient's health insurance, if they have it.
At the end of the day, I don't disagree with you; I just would like to see some middle ground established that allows for some give and take on both sides. Ultimately, the goal is to improve the care delivered to the warfighter at every echelon of care, and I think outsourcing our docs and taking in civ patients both contribute to achieving that goal. It just has to be managed in such a fashion that it doesn't have a paradoxical effect.