The public, though, seems a little doubtful about pronouncements that Americans are over-tested and over-treated, and it's easy to see why. Our very nature tells us that if there's a bad thing in us like cancer, we want it out. Also, insurance companies and the government have been warning that runaway increases in medical costs are unsustainable. This makes patients worry that important medical tests and treatments will be withheld for financial rather than health considerations. What many people fail to realize is that some unnecessary tests and treatments are currently being ordered for a different financial reason: in order to earn doctors money.