The system being ridiculously expensive is only half of the problem. The other half is that this expensiveness is completely random, opaque, nondeterministic and unpredictable. It's one think if the doctor says to you "you need a procedure which will cost $TONS_OF_MONEY", quite another if the doctor says "well, we'll do the procedure, but we won't tell you how much it costs except that it's a lot, and you'd be getting bills for months from now, and will have to become an expert in negotiating with various billing systems, and we will mercilessly try to fleece you like a sheep every time, just because why not, you're already on the hook for it and we'll ruin your credit for the next decade if you make any tiny mistake on the way". The former is bad enough. The latter is absolutely terrible. And the medical professionals, by not pushing for the solution for it, and just saying "it's not our business, we just do medicine and do not concern ourselves with the lowly matters of money" share the responsibility for it.