This was also my first idea when I read the problem. As the payments stop as soon as you die, this is a strong incentive. The only thing I could think of arguin

This was also my first idea when I read the problem. As the payments stop as soon as you die, this is a strong incentive. The only thing I could think of arguing is, that the doc could keep demanding more and more. But that would imply a situation with only one or very few skilled individuals, right?