Be academic all you like. However, I live in the real world, with real patients. I live in a world where I can tell a patient that a mole is completely benign and it still makes them anxious and they want me to cut it out.

Some people are anxious types. Few people can comprehend medical statistics. Even an intelligent person such as yourself doesn't seem to comprehend the danger that can come from a "check up".

After you've diagnosed thousands of patients and discovered hundreds of incidentalomas, perhaps then you can tell me how simple this is.