We do this in software engineering too. People need to find something that works, and then insert themselves in there to extract some value and get money. Service A talks to Service B? Put a message queue in there! You can monitor it, you can buffer it. Oh, it doesn't work? Just pay us and we'll fix it. Now some of the value your software creates is going to some middleman.
Healthcare is just like that. Patient pays doctor? That's fine, but what if we got some finance dudes in there? Maybe they could smooth out the costs for everyone -- fall out of the sky in your airplane, break every bone in your body, costs you $0. Just keep paying your monthly fee and you're covered. Sounds good, right? (Nobody really pays for healthcare, though; so they sold it to employers to use as a perk. "As long as you work for us, we'll cover the costs of any catastrophic health problem!" Kind of nice peace of mind.)
Ultimately, this is how people make money in capitalism. Find money, and insert themselves in the middle. When it gets to be too much, people push back. Amazon doesn't want to pay for UPS employees to have nice uniforms, a consistent route, and health insurance... so they found some randos on the Internet that will deliver packages out of the back of their sedan. The money saved is sucked out of giving people a decent life and into the coffers of one of the richest people in the world. No doubt, healthcare is going in this direction too. People are noticing the inefficiency, and stand to make a lot of money by eliminating it. (We'll all probably suffer, of course, because that's how it always goes.)