If you think the doctors providing your treatment for conditions such as you describe are actively limiting their own options in treatment so they can "milk" the patient for more money, I'd have to seriously question your understanding of, and exposure to, the real on-the-ground medical system in this country. As in day-to-day, in the trenches, pulling people's asses out of the fire of their own apathy and stupidity.
The things listed above are an AT-MINIMUM start to get the treatments you want initiated. As a physician, I made ZERO extra money from that little girl getting charged $10,000/vial for the CroFab I gave her. Zero. But... if I had skimped on it, worried about the cost in a life-or-limb-saving emergency and not even tried something different (like you're suggesting), but even just dialed back a bit on the recommended 4-6 vials for initial treatment and given the minimum of 4, of that girl had a bad outcome, lost a limb, died or even just lost some functionality in the limb - guys like JB would be lined up around the block to file suit against me. Period. Point black. End of story. No question. If you don't believe that, then I wouldn't question your experience in the system, I'd flat out say you have no understanding of the current climate.
I don't give a single treatment for any medical condition (not ONE! not EVER!) based on the fact that it is more complicated and generates more revenue for anyone. Not one. Not EVER in my life or career. NEVER. If that's not clear enough for you, then there's nothing that will convince you anyways, because you've made up your mind and any further attempts to educate you are a waste of my valuable (to me) time.
Well said and exactly correct IMHO.