I doubt it would make much of a difference. Medical billing is from the service provider not wanting/able to wait for the bill and wanting payment "now" so they take a sharp haircut. The ammount they can sell it for depends upon what they can recoup on average. Sometimes it if they waited one more week the seller would have gotten 100% instead of say 35%. Other times the delinquient debt is already worth nothing as the patient turns out to be a dead homeless person - lump it into the averages and move on.

Looking at it in an abstracted way the incompetence of the end user doesn't devalue the base product beyond the loss of them as a customer in the market. That a batch became 0% recoverable because of a screw up says nothing of the collection rate of the provider any more than the fact refrigerated food rots if left unrefrigerated for 24 hours.

Indeed. However I get the feeling people would just be paying larger overhead and fees hack or no hack.