It’s a bit more complicated. I however absolutely sympathize and agree with many of the points.
So if you are insured, one of the obligations I have is to responsibly order tests that have a good reason - as, if I don’t, the insurance is likely to deny it, may even ask me why I’m not following guidelines - and it drives up the cost of healthcare for all in that pool of insured if all the doctors are ordering things that aren’t sensible.
So the way around this, is that if you want something done - yes, if you are paying fully for it, and the doctor has no obligation to practice cost effective medicine - then yes - should be fine, so long as there is no risk to the test.
For example, I have patients frequently present to the ER with abdominal pain, with no medical reason to need a CT scan (but thinking they “need” one). In my medical experience, if there is no reason to do the test, I won’t be doing it. There is cost, radiation and IV dye exposure and the patient isn’t an expert in sorting out what is appropriate medicine for their acute issue.
If someone wants things like ultrasounds, bloods, urines … and they are truly paying for it - no one else is on the hook - absolutely have at it. This however is rarely the situation. It is the situation in my private practice, but not when I work in the ER.
The prostate test is an annoying example - the likelihood of someone in their 80’s who gets prostate cancer dying from this is very low. Getting harmed from useless additional tests and procedures, is pretty likely. However, I think you have the right to know and hopefully get excellent expert advice on how to manage this if it were to occur. It also should never be an age issue - it should be a numbers of quality years estimated remaining. If I have someone who is only going to live another 2 years, doing bowel, breast, prostate cancer screening is silly - but if they might make it 15 years - seems pretty sensible to me.
I’m less worried about a bad patient outcome and suit with the things I prescribe, and there is a lot of shared decision making, consents, etc - probably more worried about a state medical board deciding to make an example out of someone if they decide they don’t like proactive care and use of drugs, despite evidence, off label.