Preventative medicine is that which is done before significant symptoms. The basic issue, people tend to heal from most things. So the worst case of losing an arm to a cat bite is extremely unlikely. Meanwhile your hospital trip had an cost.

Suppose the odds work out to 1:100,000 lost arm vs 300$ hospital treatment. Now a lost arm is expensive but it’s not 30 million dollars expensive.

Those numbers aren’t based on anything but that’s the kinds of calculations involved. And as I mentioned the winners seem to be extremely cheap options like vacations.