@sc_griffith it's more finance than economics.

The money has to come from somewhere, and that has nothing to do with supply demand graphs. It's not so complicated.

No matter anything else, the company would have to recoup the cost for those tests from somewhere since it can't print its own money to cover it.

We can go into some of the complications that you bring up, though they are a bit beside the point.

For example, if the company could reduce total payouts because people get sick less, then why isn't it doing it? Is it intentionally raising its own costs of doing business? That seems unlikely.