Isn’t the solution an advanced care directive? Where you make decisions in advance of something happening, just in case you end up in a situation where you can’t decide yourself?
E.g. no extraordinary measures or no CPR, or, get me into one of these nursing homes and not this one.
Even in public health care countries, there’s plenty of decisions that are a good idea to make in advance.
I don’t see why they can’t be scaled toward cash healthcare countries.