" no way that an insurance company would reimburse for any untested therapy which by default would keep costs down" Wrong. The patients just get second mortgag

" no way that an insurance company would reimburse for any untested therapy which by default would keep costs down" Wrong. The patients just get second mortgages and/or crowdfund it. And people contribute because they don't know they're paying for the person to be subjected to useless quackery.