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Deine Krankenkasse wird sagen “Nein, die Leistung wurde nicht erbracht” und die Praxis dann: ok, hier ist die privat Rechnung.
Wenn du letzteres lieber möchtest sprich die Praxis einfach drauf an, dann kriegst du die Rechnung statt der Unterschrift.
The systematic change you describe would make sure that people are “on time” though, just redefining on what that meaning.
Being “on time” I understand as one of two things:
The first one is your responsibility, the latter is impossible to make in a way that works for everyone.
I don’t understand how this “change” should look like, what you’d expect people to do for meeting each other and events.
Of course I’m fine with “I take public transport I’ll be there between four and six” as a statement for punctuality. Beyond that though?