Right. You have connected the dots. Good job.... which means your job security is at least partly tied to ensuring your customer can continue to buy your product; what's good for debt collection companies is good for you.
I'm also very much aware of how many people rip off the hospitals, and don't feel bad for those who do rip off the hospitals and still expect to get service. On our legacy system, there is a limit of 100 charges (visits or dates of service) and we have many accounts which exceed the 100 limit. Which means, not only did they not pay the hospital once or twice, but actually over 100 times. If you want the breakdown of how many times people who have not paid keep going back and getting services, I can provide that.