Fair response. I am in the UK, so it’s not profit orientated in any case. It is moving that way to a certain degree, but clinical decisions are based more on what’s good for the patient and in a defensive manner. The opposite effect is in place: reduce costs wherever possible (don’t do tests unless it will change management, don’t treat unless it will improve the patient’s life).
I'd much rather have some base safety net. As it stands in the US, no amount of capital is sufficient to protect yourself against a lifetime of medical expenses. This is a perverse incentive that injects greed, selfishness, and sometimes desperation into our everyday lives.