I’d like to take a moment to address your first sentence. Whose going to determine what treatments are worth performing and being covered by insurance and what ones aren’t? At what point should the cutoff occur? Is a 20% chance of success too low? 30% 40%? Where is the line where it’s no longer acceptable to try and prolong someone’s life? Should it be on a sliding scale based on their age? Take of 10% for every decade over 60? Whose to say those procedures won’t extend that persons life by a decent margin? They’re long shots not impossibilities, otherwise insurance wouldn’t cover them. Most insurance companies don’t cover experimental surgeries for instance because they aren’t proven to be effective yet. Do we really think it’s a good idea to start making it even harder for the average person to achieve the same level of care as wealthy individuals would?