Biologics (of rare diseases) cost well over what insulin costs, a patient could have medication in their fridge equal to the cost of a car.

I do not think so. Most insulin can last 28 days outside the fridge, but not frozen insulin.

Source: https://learn.mdsdiabetes.com/wiki/how-long-insulin-unrefrig...

Yes, freezing insulin destroys it, which is a problem for me when I’m outdoors in the winter.