As you said previously, been and interesting and thoughtful thread. Complex problem where there's no "we just need to" answer best I can tell. Trade offs everywhere you look.
Sorry for the length here but your second point hit on a lot of thoughts and memories for me.
I've seen those staggering end of life numbers as well and reminded me of an article I read several years ago, "Why I hope to die at 75" and have kept the link since. No idea how I ran across it but needless to say the title caught my attention. Basic premise isn't a death wish but to stop all preventative things at 75 (his round number) and let nature take it from there. While there's an element of the healthcare cost it's more about quality of life (you and those around you). Written by Ezekiel Emanuel MD back in 2014 and thought you (and others) might find it interesting if you haven't read it. A little long but interesting perspective as we all age, me now 70. (thought the name looked familiar at the time and he is indeed from what might be called a high achieving family)
If you happen to subscribe to The Atlantic here's a link to the original otherwise it comes up on a Google search.
An argument that society and families—and you—will be better off if nature takes its course swiftly and promptly
getpocket.com
My wife and I were fortunate to not face the sudden/early death of our parents but instead faced the "downsides" of 96, 94 and 2 92's. The slide started around 85 and from there they became different people. Understandably, their world shrank to primarily to the den and bedroom. Obsessed with their pill boxes and taking their blood pressure 10 times a day (and writing it down). Angry and frustrated with themselves and things in general. Then came the falls, "accidents", clean up and pain complaints. Both mothers passed away at home and thankfully met their desire to not be in a nursing home (and we didn't have to deal with that whole other subject). Both fathers died first during their last hospital trip when the decision was made.
All that as background why the article had such an impact on me while going through a lot of it. Lots of exceptions and everyone is different but I have no interest in becoming an "American immortal" as he puts it. My wife and I became adamant during that time we would do everything possible to keep our daughter from having to deal with as much of it as possible and best case, none. From the emotional stress of us becoming different people and care giving to any "decision" needing to be made.
Finally, I can imagine dealing with families is tough on what is about one of the most difficult decision that has to be made. My father was in ICU by the time I flew in and on an intubation tube trying to get his oxygen levels up. I sat with him for 3 days reading a book and starring at the monitor as the O line struggled to do anything. Late in the afternoon of the 3rd day the doctor walks in and says it's not working and we've have done all we can. We're going to pull the tube and turn up the morphine. Needless to say I was stunned and thought, this is really happening. Called my mother who was at home and my sister back to town. After a further consultation with someone who must have had "that job" we agreed and it and about 2 hours later he passed away. Thinking back and despite the shock at the time, I appreciate his candor and assertiveness that helped push along a difficult, but inevitable, decision.
Bit of a ramble but I'm blaming you for bringing up the subject.** Now back to our disappointing MBKB team and a hearty GTHOM. Go Dawgs .... both of them.