Exactly. It's bad enough to be worried that you might have skin cancer, then to worry so much about the cost that you don't go see the doctor can only compound the issue.

I would guess (and don't know) that if you had super amazing insurance then maybe it covers all these unexpected extras. But for those that do not have that level of cover the decision must go something like:

I'm worried that this mole looks bad,

if I go and see a doctor then I might get a nasty bill,

but if I don't go and see a doctor then it might get worse and when it does I'll have no choice but to go,

oh and the cost of the treatment could bankrupt my family