Well I’m guessing that the healthcare will pay it. And at least in Switzerland, the healthcare can announce official that they won’t pay anymore for anything that one doctor decides/order. So if the doctor orders to many thing, that the healthcare has to cover, then he soonly will lose his job. So in this way the doctor will only order stuff that are really needed and maybe won’t make a test against cancer (but this happens not really often)

Else if the customer has to pay, then yes it would be stupid to not let the customer do the test.