You're not wrong, but sometimes this is purely preemptive and might still be a sound decision. For example, influenza almost never directly kills anyone--the monster flu in 1918 is an exception--whereas secondary bacterial infections (leading to pneumonia) can and do. Antibiotics are often prescribed as an extra precaution; given the atrocious financial resources of most Americans, most doctors know that they only get one shot with most patients, because they can't afford the copays or get the time off work, and that if they under-prescribe and are read to have missed something, they'll face malpractice suits from the desperate. So, they err on the side of immediate caution, since antibiotic resistance is one of those diffuse long-term problems.
Life is worth living well, but it’s also worth accepting the end, something to which many people are openly hostile.
Part of the problem is that capitalism creates a collapse of trust from which there is no recovery. Is the hospital denying or rationing care based on sound medical reasoning (i.e., that the requested procedures won't work, and will divert resources away from people who need them) or because they don't think the patient will be able to pay? Is the doctor performing a surgery because it will improve the patient's quality of life, or because he needs to generate fees? I'm sure most doctors are ethical and try to make the best decisions for the patients--I imagine, at least 90 percent of them do--but, as soon as the profit motive gets involved, distrust becomes endemic and personally mandatory.
Medicine is, to put it bluntly and factually, too important to trust to the profit motive and capitalism.