Me: I don't think we need to order an MRI. He probably has a meniscus tear, but he has so much other stuff going on that it's not like we're going to do anything about it.
Dr. Douche: What are the drawbacks to getting an MRI?
Dr. Douche: Are you paying for his MRI?
Me: Not directly...
Dr. Douche: Does he have to pay for his MRI?
Me: Uh, I think so.
Dr. Douche: No, it's covered in the copay. So the only person who has to pay for this is the taxpayers. So there are no drawbacks associated to getting an MRI. Order an MRI.
...and that's why healthcare costs are so high. Because there's no downside to ordering expensive and unnecessary tests.