That is well stated. I have experienced that attitude on multiple occasions where the surgeon palmed the cost issue to the office staff. In one case that office staff was so rude and arrogant over time I complained to the surgeon, but a year later nothing had changed including the attitude. Why? That office staffer apparently shielded the surgeon from the patients ire about most things and kept a tight shop running, eg financial management.
I recently lost a distant friend in Israel who had breast cancer. Within a week of being told she was "clear" after treatment, she became terminal and died in weeks because it had gone into her liver and those surgeons had neglected routine whole of body diagnostics to check on the disease metastasising beyond the obvious, while treatment progressed.
When there is any illness suspected or imagined, who is to decide whether any test is frivolous, agreeing that many could well be defensive against law suits, but.
I presented to a GP for serious abdominal pain with non-specific symptoms leading to "it could be food poisoning or appendicitis". No tests were done and I was sent home with a come back if it does not get better. Two days later I developed excruciating pain but it went away as I was about to ring 000 and thus thought it was food poisoning and I was getting over it. My partner retuned from work and told me I was incoherent and we were going to the GP again, where I was directed to the ER straight away. They still considered food poisoning or now a burst appendix yet they waited almost 24 hours in hospital while I became increasingly incoherent before they did "The Expensive Diagnostic", and that happening as a private patient! I was next up as soon as a theatre became available. If a test was ordered when I first presented I would almost certainly have much less of a scar than that left by the emergency surgery, as well as many fewer weeks recovering.
So an honest question, what is your equation for saving a dollar versus potentially prolonging a life and when is a test non-frivolous?
Corruption and ripping off patients (customers) happens in every business, and healthcare is 100% a business in some eyes while others think it a service in full or at least part. It seems that the current mob is slowly but surely working toward the American for profit model where it is all private enterprise and for those who cannot afford it or have insurance, by charity. For those of us who think healthcare should be weighted toward a universal service, that is a problem with government de jour, and the voters who elect and return that government.