Meditate on it long enough, you'll figure it out. I didn't say it was bad if you use it. It's there and you have to right now. And in some cases, for higher end surgeries, some credit may be necessary. If no one could pay $72000...and that surgeon sat there with his thumb up his ass all day....you think the price would come down to a point he had work to do? He might have to do it with a flashlight and a butter knife, but he'd get it done.
Remember the housing crisis? The prices overly inflated because they gave EVERYONE credit. They increased the purchasing power of the public by giving away money that only existed on paper. When more people have access to more "money", you can charge more for a product. Credit causes inflation. That's why they lower the rates. That's the credit side. The insurance side is almost the same. Have you ever offered to pay cash for a procedure? Many times you can get it down to 1/3 of what they would bill insurance. I know, you didn't have 24,000 in cash at the time. And I also know my statement is never possible. Banks and insurance companies rule the world. Good luck putting either back in the box.
I missed one more reason medical is expensive. Lawyers. I can get the same $1800 dental procedure in Mexico...done by American dentists for less than a couple hundred dollars. The reason, no mak-practice insurance. Now, that could be a bad thing in some cases, but it shows what kind of cost increases get caused.