At least in auto repair you have a pretty good idea how much repair is going to cost you, and when you've been in a major wreck you get one bill that you can turn in to your insurance, not ten from the tow truck, the body shop, the paint shop, the several master mechanics &c, and none of them is out of network for insurance purposes.

And the bill is usually honest. The pregnancy test for males isn't a joke, it really happened to a physician colleague of mine.