That example I gave about wanting antibiotics for a cold was something I've seen in real life, multiple times. There are hypochondriacs and other people who do go too often. They even have a code/name for people like that to let other doctors know by reading the file. I personally know of a guy who would call 911 just to get a ride in an ambulance. Eventually they stopped responding to him.
I do know people who probably should have gone to the doctors sooner too. I don't know that many of them, but it's possible they are more common in other areas.
"I've known only one case of person going to ER for simple cold symptoms"
I said urgent care. Urgent care is not the same as the ER. I know of people who go to the ER just for the free ride (Medicaid transportation provisions).
I think this is not realistic, and it's the opposite of my experience in relation to all the people I've known.
I know far more people that _should_ go to the doctor and don't, or do it after a long time (sometimes too long) rather than people who go to the doctor's too much.
I actually can't think of anybody that goes to the doctor "too much".
I've known only one case of person going to ER for simple cold symptoms (excluding the epidemic problems), as one is going to briefly checked, then made to wait for a very long time.