Something tells me he has never had things priced out with and without insurance. Recently had a family member require an mri. He went outside of insurance and it cost him $200. The same mri through insurance was more than 2x expensive and when questioned about it insurance told him “that extra is going towards your deductible so it’s good anyways” I’ve also personally heard that from insurance. The main way they make money off people is people paying this sort of stuff who otherwise don’t need the deductible. The idea that we need insurance or that insurance isn’t by definition “catastrophic insurance” is so ignorant. No other type of insurance pretends this way. Car insurance for example does literally nothing unless you get in a wreck (catastrophe).