It's absolutely a case and the reason is money and desperation. Imagine there is no public healthcare (USA) or the public healthcare is completely dysfunctional

It's absolutely a case and the reason is money and desperation. Imagine there is no public healthcare (USA) or the public healthcare is completely dysfunctional (Poland, Romania). Then you pay for every encounter with every medical specialist, who is mostly interested in charging and dismissing the patient, resulting with the patient turning increasingly desperate and impatient.