There is no need to be disingenuous to be right. You can dispute any charge for services non-rendered in the US, for anything you pay for.

Provided it is a charge, that is to say, paid with Visa/MC's or your bank's money, and transacted over the CC issuer's payment network.

Quite simple a process and at that point, you have hella bigger guys with interest (not in your money but on the interchange fees riding in that funds transfer. They will get theirs back, and so do you get yours.

There are far more people than you seem to realize that simply do not have access to such credit opportunities.

Even a cash payer for healthcare services would have a headache with our legal system should they need to sue for breach of contract.

That one also sucks, in case it wasn't clear. And again, is the avenue of a privileged subset.

For the majority of Americans, it's insurance paying. So that means an insurance appeal.

And well... that's a system in the sense a shifting labyrinth is a system. But don't take it from me:

https://www.propublica.org/article/how-to-appeal-insurance-denials-too-complicated