I agree. My OH was offered ridiculously expensive and risky stem cell transplant for his cancer. He properly thought through the alternative options and basically, his life expectancy was the same whether they did it or not, but the risks were far greater.
It was basically a choice of stem cell transplant which was risky as it was high strength chemotherapy to kill all his cells then transplant his "cleaned" cells back into him without any immunity for anything, which would give him a life expectancy of 10 years, but still on ongoing drug based chemotherapy every month.
OR
Continue on his existing drug based chemotherapy which was working well as his body responded so well to it, he could be on the minimum dose. Where the life expectancy was 10 years!
He couldn't see the benefit of the stem cell transplant. He asked the stem cell consultant, who likewise couldn't really lay out any benefits over what he was already on, just some minor comments about "what if the current drug regime stops working so well" - and he couldn't answer my OH when he said "what if the new drug regime after stem cell transplant" stops working so well?
The cost on the stem cell transplant wasn't explicitly said to him, but they were talking a couple of hundred thousand!
What we gleaned was that the hospital had been set up with a stem cell transplant unit, and they wanted patients to fill it, as the hospital got the funding from central funds "per patient". I think there was also an element of wanting "guinea pigs" for research purposes to improve the stem cell transplant procedures etc!
OH is now 7/8 years into his ongoing chemotherapy without the stem cell transplant and the drugs are still working well and he's still on minimum dose, so highly likely to hit the same 10 year lifespan target as if he'd had the risky stem cell transplant.