>>Car maintenance schedules are MINIMUMS
>>I can change my oil every hour if I want to, but Toyota says that I'm pushing the envelope if I don't change oil at least every 5K miles.
>>Insurance limits are MAXIMUMS

Not sure about the US but elsewhere a lot of car purchases and most leases now include a service plan. No extra charge for a defined schedule of service. You can call these service schedules a MAXIMUM that the manufacturer will pay for and cast aspersions at the mechanic who follows it exactly, or you can consider the schedule to be a viable level of service as determined by experts. That's the comparison I drew.

>>My infamous toenail clipper is the most shameless abuser, but there are dozens of examples like him.

We've had this discussion before. Your apocryphal toenail clipper is not a proxy for the health service, and I've pointed you toward Medicare's grounds for this level of care. Medicare does not cover all comers. Diabetes would be the most common justification and having once amputated the leg of a diabetic who received inadequate foot care, IMHO you are trivializing the situation for effect.

>>"tissue removal" in EXACTLY 90 days.
>>Never 75 - never 105.
>>Not odd to you?

No odder than the included 50,000K service with a new VW. that's what the experts recommend, so you do it. Under-delivering the defined schedule is what gets you in trouble whether you be a physician toenail clipper or a service mechanic.