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My question is why can’t we pay someone to get that 2 years of medical education to help with broken bones and stitches.

In other words, there should be less expensive and less sophisticated care providers for less complex needs.

Only in the US is there such a cartel on medical care.

There do exist physician assistants but they are terrible. Never met a good one.

The lack of agency is what's primary here. You are never guaranteed to have the best care all of the time - even if you have the money.