If you are going to truly understand just how complicated paying for something has become.
I can say this because I have had way too much experience creating not only the software that mediated some the direct aspects of "point of sale," in a, say grocery store (just try and do programming for companies like Nichirei Foods Usa, or Trident SeaFoods, or Tyson Chicken, and see the mind boggling minutia of promotions kickbacks, promotional incentives, and what all else, that has to click over, change of state wise, in a large array of databases, every time a package of imitation crab is purchased), but also in commercial exchange situations where the thing being purchased is all part of hospitalization services. And when you start talking about that you really get into crazy minutia.
You do that especially when it comes down to arguing over who should be on the hook to pay in the first place, which I can tell you, again from direct experience, is quite something to behold when hospitals and insurance companies lock horns over charge details on a claims submission; because certain diagnosis codes supposedly know better what to do with a patient than the doctor does.
Just in that dear reader is there launched vast armies of effort, back and forth, across this country, to make one, or the other guy, pay for what has been purchased. Effort, you have to understand, that far exceeds, in total relative cost, than that created by just paying the damn bill and being done with it would have resulted in. And that has to be so because if any one insurance (read that as "Capital Formation Company") company didn't do everything it could to limit what it has to pay, on a quarterly basis, it would surely be rendered insolvent in quick time, by the markets in question, and be absorbed by a more effective (read ruthless) player there.
And this is but one form of the insane wastage that is this galaxy sized, waste engine, we call an obsolete economic operating system.
WHAT COULD GO WRONG