There has to be a lot of ripoff going on, back in the fifties broken bones were common, on the school yard and off. I was fortunate not to break any but many of my classmates had breaks and simply had their break set and a cast made at the doctor’s office. I never heard stories about insurmountable bills and we would not hear it now had the government kept its “experts” out of medicine.
I don’t think I’ve seen anyone break a bone in the last ten years that didn’t have titanium rods surgically inserted and numerous procedures stretching out months.
I also don’t know many women that have given birth in the last 10 years without a C Section performed either.