Progress has a price which, left undisturbed, will be reserved only for those that can afford it. This was, ostensibly, what insurance was created to protect someone from. Now that insurance no longer functions as insurance, we have caps.
While there is no doubt money spent on those whose lives are largely done, I would suspect that there are an order of magnitude more whose lives are not quite done yet, and benefit significantly from treatment. Don't examine the exception without considering the rule, CC.