Assuming you are a programmer, why should I pay to use your software? I would prefer to pay nothing because it doesn't "cost anything" to copy it. Oh, well, ok, I'll pay for my 10 minute share of your time at $40 / hour. You have to eat, too.
> If I have Bronchitis I know exactly what I need and the doctor knows it too.
Great. Go visit a counter clinic and get exactly what you need ---though I'm sure you know that you have acute viral bronchitis and you only needs some over-the-counter drugs to treat symptoms. Then, you can go reinvest your "shitload" in something more intelligent like car insurance or a new graphics card. Like, your lungs are fine. I'm pretty sure all lungs have been fine forever for everybody, and if not, well, you can buy a new lung from the lung store and swap it in for all those shitloads you saved in ten minutes years ago. It will probably even be a better lung than your old obsolete one.
"The same with medical tests – the doctors draw blood and send it to a pathologist. They then charge you a 400% mark-up on that and make pure profit."
You're right. Health care should be like sex. Free only, illegal otherwise, immoral regardless. There should be laws to enforce this.
"Then it is the unnecessary x-rays (if the doctor happens to have a digital x-ray machine that he is itching to use)."
Say no.
"If a doctor prescribes anything he will prescribe the most expensive antibiotics ever – even though a much cheaper run of the mill one will work as well (I don’t know why they do that)."
Did you ask?
Also, doctors prescribe generally prescribe what will be most likely to work the fastest because ---if you remember from a century ago--- bacterial infections kill you and then spread to your friends and family to kill them. They don't care that you can save $30 with some similar drug they don't know much about.
"Why do they want routine appointments (once a month) for chronic medicines?"
Because
"No offence, but I think modern day doctors focus on ripping off medical schemes because there is no apparent victim."
If you know some rip off scheme perpetuated by licensed medical doctors, write it down and submit it to a medical journal. I think modern day people focus on engorging distractions while they mindlessly spawn and decay because there is no apparent victim. No offense.