If people had to pay their doctor the full cost of service as you seems to suggest, many would not go to the doctor month or even yearly. Putting off going to the doctor to have those little problems checked out because paying the mortgage and putting food on the table has a higher priority, can be very costly in the long run. Discovering a heart problem, cancer, or many other diseases in their early stages can mean the difference between relatively low cost treatments and a normal life and huge medical costs and an early death. You seem to suggesting the latter.Being one of those old folks, I can say without hesitation that you are full of crap.
A second opinion: [ame=http://www.youtube.com/watch?v=KtI6ZVOzWqQ]Needy Seniors or Greedy Geezers? -- Stossel In The Classroom - YouTube[/ame]
A darkened mole can be just a mole or it can be a melanoma.
You shouldn't need a doctor to recognize a mole from something that's probably not a mole.
The idea that anyone goes to the doctor for the fun of being poked with needles, asked embarrassing questions and scared shirtless over possible diagnosis is absurd. Paying $10 or $20 for it is even more absurd.
If you were to go to the doctor every month, you wouldn't have to be asked those "embarrassing questions" every time.