imagine if grocery shopping was like health care and you went home with a loaf of bread and gallon of milk that had no price tags and the grocery store then sends you a bill a few months later for $279
you'd asked when you got there what price the bread and milk are, and the grocery store employees rolled their eyes and said it costs what it costs, but wow you didn't think it would cost $150 for milk and they can't explain WHY it costs $150 for milk
"normally the bread is only $65 for some reason, but the cashier you selected was from out of network so your bread is actually $129"
"that was the only cashier there!"
"welp! should've done your homework and be thankful you didn't starve!"