You pay for a car you get a car. You pay for dental treatment, you get dental treatment. You pay for a massage you get a massage. You pay to a hospital to be healed. You die in hospital or your illness did not improve, you still pay. Is this fair?
Why admit to a hospital to be healed but die instead and still need to pay hundreds of thousands or tens of thousands? Did the hospital fulfil its part of the contract, to heal or at least return you alive?