I understand, reputable hospitals don't do that but the bad ones like you say charge $30 a band-aid.
What I don't get is, people spend most of their lives trying to find a trusty mechanic when their cars break down but when it is their body, they go to the closest strip mall or hospital.
I am SUPER happy to pay, completely out of pocket $1500 a month but I do drive a 2007 Truck with 230,000 miles on it and rusty and the other car has dents.
Also, I paid 6 figures when my wife was sick, a ton of bills, but she's alive, best care.
You have to prioritize but to your point, be smart.