Except that you're laying on the ground writhing in pain, not the easiest time to pull out your phone and pull up pricewatch.com before you call 911 to find out which hospital has the best deal on x-rays today.
You find a specialist the next day. And if you require surgery, that's another day or two. There's no reason you couldn't do a cursory sanity-check on pricing in this case (if pricing info was easily accessible).
I've even broken bones on vacation and only had x-rays after I've arrived home. Does it hurt? Yes. Am I incapacitated? No.
When I broke two fingers a year later, I took my own x-rays at a dental clinic for which I did some maintenance work. Yep, they were broken. No, I didn't pay anyone to tell me to stop using them for a while.
Sure, lots of broken arms need a cast, but this idea that you can't shop if you're in pain is goofy.
It's very doable. When I broke my arm in highschool, I was in mind bending agony for a few minutes. Then I put some ice on it and went to work the next day. Didn't get a cast on it until after work.