You seem to operate under the assumption, though, that it's a culture/society of "each man for himself". If you pardon the intrusion of Real Life, there are many systems of health care around the world where the common society (taxation) evens out the burden of the cost. I didn't see you mentioning having taken this into consideration, rather just having your temples supported by their customers. (Add air quotes when talking about real life patients;)
Me, coming from a country with efficient public health care, COULD get preferred treatment at private clinics (I'm reasonably wealthy), but the difference in quality between those and public hospitals is negligible due to the investments of state.