And the expense/insurance question is definitely a big part of the point. There is the inconvenience of time for appointments, but with telemed, much of that is reduced.
Costs vary so much, @Thumper has that great Medicare Advantage plan, yet most states don’t have nearly as favorable options. @HImom , I am guessing yours is work funded, too?
People who buy there own coverage or have newer policies with high deductibles, they adapt a different mindset. The year I needed a surprise surgery, an ED visit and scans ate of the $6K deductible, the surgery finished off the $12k out of pocket. You can imagine that decades of that type of coverage habituate one to be sensitive to prices and needs/wants of medical appointments.