It's not that way already. Do you want the newest and latest experimental treatment still in clinical trials? That decision isn't yours. Have you already rejected a heart and you want to try three more? Too bad, you'll never get another heart again, unless maybe you are a child. You want to try marijuana to ease your terminal pain? Not your choice in most states either. You don't even get to decide if you want to take an antibiotic for your infection or opioids for your pain. You only have the right of refusal, if you want almost any medical treatment other than OTC meds, someone else will be making that decision for you.
As it is now, patients only get heroic cost intervention until their insurance or their bank account holds out. After that, no more heroic interventions. Ever notice the hard cost limits that most insurance policies put into place to limit this sort of thing? Look hard, it's probably there. One policy I had for a little while (not my choice) had a lifetime maximum of $500,000. You could go through that in a few days of heroic intervention. After that, I would be left to die.
The system already is how you don't want it to be.