An important point you seem to be missing, is that stuff that are not free but deemed a necessity (e.g.: family doctor consultation, drugs...) are capped. What

An important point you seem to be missing, is that stuff that are not free but deemed a necessity (e.g.: family doctor consultation, drugs...) are capped. What they are allowed to charge at most is decided by law (in exchange, they get to control how many people gets to go to (~free) Medical School every year -- it's far from ideal, but not a terrible balance).