

Our decisions are heavily influenced by emotion. We have the sense of empathy, which is an adaptation that makes communal living work. Empathy motivates us to do things for other people sometimes. You can say, “you do helpful things to satisfy your own emotional needs.” But that’s pretty much saying, “you do helpful things because you want to.” I think self-interest is a big factor in how we act, but I don’t think it’s the only factor.
Hospitals are required to provide emergency treatment - what we call ED or ER visits - regardless of ability to pay. Patients are expected to pay for that treatment. It’s just that the hospital isn’t supposed to deny treatment based on whether they think patients will or won’t pay the bill. This is getting-stabilized treatment.
This is an important point in arguing for universal healthcare: if people can’t afford treatment, they’re more likely to go to the ED where they won’t be turned away. ED visits tend to cost more than non-emergency, so that drives costs up.