Spot on. My dad is a retired dermatologist. Back in the 70’s, he would remove moles and say which he thought needed biopsies, go over the costs, and the patient would decide how much they wanted to spend. Once employer-sponsored insurance became the norm, every mole was biopsied every time. One because the patient didn’t have to make a cost decision. And two to protect the doctor in case he was wrong. The second point is important as well-better to be safe and order that additional test in case you missed something. The threat of malpractice suits needs to be addressed, as we all know, lawyers have driven up the cost of everything. Let’s get rid of them too while we’re at it.