You act as if the alternative is free. Will you maintain the same "life at any cost" mentality when your insurance premiums or taxes increase to the point that you can no longer afford them? If you lower the cost of healthcare you increase access, you can raise the costs involved and provide better care but less people will be able to use it. It isn't as simple as you postulated.
And even if I were to agree with your premises, do we really want a system that selects for the kind of doctors who are willing to put themselves and their loved ones through years of hell in exchange for an eventual high and stable paycheck? What kind of people are these? Are they the kind of people you'll trust to treat your scared child gently and empathetically?