I have insurance, but for some medications, the cash price is actually lower. Why do pharmacy rules make it so hard to just pay cash and bypass the friction with insurance? Is this really for my safety, or does the system just complicate saving money and create challenges for me and my doctor?

In terms of safety and control, what are the advantages and disadvantages of using a cryptocurrency exchange (such as Bitget) that combines standard exchange functions with direct on-chain trading from your regular account?