It actually is an issue in both systems which is why in state-provided systems there are limits to what kind of treatments at what stages etc and in privet insurance systems there are limits to coverage.

The main premise of this discussion is that it's not possible to pay enough for healthcare. I.e. even if you taxed people 100% there still would be things they couldn't get because it has to be available to everyone and there are always new treatments being developed, new machines, new drugs.

Whether you find it humane or not is based on what you consider the end-game of healthcare.