Price fixing, which is theoretically illegal. But it keeps everybody in business. And that's the key. Just watch tv hospital shows. Money isn't dramatized.
Saving lives is.
Except on the tv fantasy, the penurious street urchin shot down in a drug deal gone sour is dramatically saved by the intense young emergency room doctor. Back to insurance. Insurance covers it. I'm not responsible. I can drive aggessively and damage someone's property.