It’s actually pretty on point, but OP’s conclusion is off. People are discounting the amount of Americans that are just good with doing a bit of frontier surgery on themselves and calling it a day.

Yeah they have bad planning for the future during end-of-life care. But technically speaking it would cause them to pay more in the short term for little benefit.

It’s important to know that’s where the argument “it would cost me more” comes from. That way you can persuade more effectively.