The school you’re talking about is my alma mater, what they did is even worse then you describe.
That librarian was neurodivergent and left his savings to the university at which he worked with no specific restrictions.
The university execs wanted to use the money on sports, and directed the advancement department to create a narrative to support that decision. They found a mention he enjoyed watching sports at the nursing home during the last months of his life.
Close friends said he wasn’t interested in sports at all - he loved numbers and statistics, and at the end of his life at a nursing home the only numbers he could get to were baseball statistics. He couldn’t care less about the sport, he just liked the math.
UNH rewrote his life and personality to justify spending his gift on athletics.
https://deadspin.com/how-unh-turned-a-quiet-benefactor-into-a-football-marke-1819064622
Your experience is real and is the case for millions of Americans, but healthcare insurance plans vary widely.
I work in a union job for a large nonprofit and I have excellent insurance. Visits to my PCP for preventative care are free, visits for anything else is $20. Specialists are generally $25. It’s also $25 for urgent care, $150 for the ER, though that’s refunded if you’re admitted. Hospital stays have no copay or deductible if they’re in network. All the major medical facilities near me are in network.
Monthly I pay ~$300 for my insurance, which is 12% of the cost, the other 88% is paid for by my employer. That covers me, my wife and my daughter.
Last year our insurance provider had a greater % of profit from our companies plan then legally allowed, so they had to refund a portion of our payments. My company refunded all that to us, so I got about a months worth refunded.
I’m fairly certain I’m in the top couple percent for healthcare quality, and it’s a real draw to me staying with my employer, though they’re great in pretty much every respect so it’s not the only draw.
I strongly support single payer healthcare because my experience is not the norm in the US and everyone should have the health security I have and feel.