> If the person who felt compelled to spend $800 because they actually did not think they had any other option then they are living under a rock
...or they have really bad astigmatism.
Those lenses are not cheap and are usually excluded from 2-for-1 deals and other sales. Short of Lasik (which itself cannot always correct it) there really is no other option.
> being scammed by their optometrist
They also do that when it comes to frames, and it's really obvious.
The cheap/covered-by-insurance rack is usually a single rack in the back of the store, nondescript, and only mentioned if asked about.
After an eye exam the clerk will run your insurance, see what the coverage limit is, and guide you straight to a designer rack at an appropriate price point (unless you express interest in something more upsellable).