The trouble is that in an emergency or urgent situation, you can’t really shop around for service. “I’m having a heart attack, but can we try the hospital in the next town over? Their cardiologist is cheaper.” Bike service is a leisurely afternoon; emergency medical care is not.

It shouldn’t cost that much in the first place. You shouldn’t need to shop around for health care, and you shouldn’t be bankrupted by an emergency. Why people aren’t marching through the streets right now is beyond me.