Maybe that's why? I know rich people (truly rich, not your upper middle class or rich as in I got a couple mils of net worth), in developed countries (West and Northern Europe) and to be honest your points, apart from being tangled and repetitive just so you can get 5, don't reflect their reality and are just a setup for your last politically charged line.

I'm sure with tens of millions of dollars in your hands, you'd wait for that 20 minute doctor's appointment for 3 months, then another 8 for your MRI. Especially when your kid gets sick god forbid.