I understand your point.   I am not willing to assume that much risk though.   For instance my wife's illness, resulting in her death about 2 years after diagnoses would have left myself and my daughters penniless.

You may well have found a good point to argue though.  If insurance was NOT available to patients, would Doctors pile on expensive treatment and the pretty new designer drug that the pharm. rep encourage them to sell last Tuesday?   

The  Dr. recommends diagnostic scans to pay for the equipment in either the hospital, or, at their private clinic because it's a money makers.   

www.wsj.com/articles/SB111498587452921637 OR google "MRI and CT Centers Offer Doctors Way to Profit on Scans"

I've had this done in the area, you don't get an appointment without a scan, even though you had one 2 months ago.  My problem was slow developing kidney stones.   The scanner was owned by the clinic.