It shows a severe lack of understanding of the whole process

I feel like this is an American phenomenon

Murica in a nutshell. I remember seething for years about insurance as a requirement given its unwillingness to pay out, and USians (on other sites) would bluntly tell me that's how things were, almost hinting at a great system they had like some brainwashed head-down bullshit. Then Luigi happened and everybody changed tune overnight.