I feel health care is the same. 24 years ago, I had a $10 copay to see the dr, $20 to see a specialist, $100 for a knee surgery. Somehow people were taught this is not sustainable, costs are escalating, you should be happy to be in a high deductible plan because you pay less (and are out 5 figures if anything does happen, which, as long as it doesn't, you're happy).
Then my wife gets a job at the school district end of 2022, and what's our insurance for 2023? $0 deductible, 0% coinsurance. Only difference is $20/$40 copay. And it's 2023. Laughable I punched in hip replacement, your cost, $100.
So much in life is marketing. If someone can be made to feel they get bupkis, then you give them something small, they are appreciative.