Doctors are incentivized to perform as many procedures to the uneducated consumer as they can.
This is part of what's wrong with the way things are currently run. Doctors SHOULD be recommending only those procedures which are medically necessary, which means they should NOT be paid based on the number of procedures they do or recommend. This is something that needs fixed.
Or the government steps in and pays for your heart surgery, your chemo, your hip replacement, your diabetes medicine, etc. Which is the worst case scenario.
Death is always the worst case scenario, at least for the person involved. This is why costs shouldn't even be considered in medicine for the purposes of making those decisions.
There was a time when men were men and they "rubbed dirt on it" when they were hurt. They rode bicycles without helmets. No seatbelts. The world worked just fine.
To say "the world worked just fine" is incredibly myopic. Life was more dangerous as a result of many decisions, some of which you list here. You can choose to ignore that fact, but it doesn't make it any less true. Sure, health care costs less when you don't get any, but that's making an obvious statement in an effort at missing the forest for the trees.