I say this after having had a C6-C7 spine fusion surgery -- prior to that, the pain was incredible. And two or three years ago I couldn't have even imagined what that kind of pain felt like, until I was actually suffering it. Luckily surgery was incredibly effective, and I hated having to take pain pills (made it difficult to work), but the pre-op alternative (living with constant pain) wasn't very great.
I certainly didn't want to sit in a hospital just to be able to move around a bit -- and I couldn't have immediate surgery, though I did have surgery as soon as I was allowed to (primarily due to insurance).
I'm sure there are people out there with far worse pain, and in many cases likely untreatable causes. Putting all of those people in the hospital certainly isn't going to help with insurance prices, nor is it a particularly humane way to treat people in the general sense.