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That's a good point, which is why there were some suggestions in some European countries about having a "paid first visit" that is refunded if there is actually something wrong with you. I in general support things like this. I also support some parallel "private" medical system, where you can pay to "skip the line" (but e.g. in Slovenia, only certain procedures can be performed in the private system).

However, there are also many medical costs that can be foreseen (even planned for) but are either "beneficial" for the society (e.g. childbirth) or still risky and essentially no-one's fault (e.g. cancer - most people will get it, but some will get it at 50, others at 95). Incidentally, it's cancer and the catastrophic treatments (e.g. heart surgery) that are most expensive. Possibly also because it's in the big-pharma's interest to keep it this way (at least for cancer).




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