The high cost difference part is remarkable but the “she’ll never pay it back” part seems to me like observing a mega millions lottery winner will never pay back the prize money with future ticket purchases. Isn’t that the whole point of the lottery or health insurance? Getting a benefit that society as a whole can afford but no reasonable individual can.
This, and furthermore the scientific value of proving that this can be done has value too. Imagine trying to compensate someone to undergo this experiment willingly...
