Nice thought, but I think there's a fatal error in your calculation - California does not have fair elections. There is almost zero barrier to voting - all you need is a utility bill - and it is legal to vote harvest there since the previous election. Which dems did in 2018 and will absolutely do again, even more so if they detect a high conservative turnout.
California voting favors the dishonest.
Easily worked around. Just write the rule such that you are not allowed to enter in to a medical payment agreement without knowing the cost beforehand. Would need some considerations for emergency treatment of the unconscious, of course, but I'm sure something could be worked out.
No longer about free speech. Now it's about unfair contracts.
This is a very insightful analysis. Well done.