That's all true. It's also true that between the screwed up coverage and the screwed up reimbursements, both doctors and patients could easily find some common ground in their private conversations.
A lot of the elderly no longer actually see a doctor but once a year, their care is transferred to Physician Assistants or Nurse Practitioners....who have scams with local attorneys to find dementia patients, who have money and can be fleeced....one county I know has a whole group doing the lifting of family inheritances via their system. I was amazed at the amount of money they could get from anyone who has a sizable bank account.