I can speak for my inlaws, who never saw a cat scan, an mri, a lab test, or physical therapy they’d refuse, since they don’t pay anything for it...in their 80’s and see the dr more often than my husband, myself, my adult children and my grandchildren combined because its FREE!!!!
It is well known that the vast majority of a person's lifetime medical expenses come in the last year or two of life. Your aged inlaws very possibly do utilize more healthcare than a family of healthy children and young to middle age adults. Do you think your inlaws' doctors are just wasting money for the helluvit or do your inlaws have legitimate problems? Would you rather they die than get some lab tests and some treatment?