Not only that but how many people can get into a doctor the same day for the note? If they get sick on Monday you're potentially forcing someone to choose between unpaid time off, burning a day of PTO, or going into the doctor's office Wednesday or Thursday (if they're lucky) and saying "I feel find but had a cold Monday, can I get a note?" And how to juggle the logistics of that Wed/Thur doctor's visit with work?
I feel like a "sick day pool" or sick days burning PTO is just a shitty way for companies to try to save 0.02% on payroll while simultaneously pissing off the few employees who get burned by the policy. I can honestly say if I had to use PTO for an unexpected illness and it either messed up a vacation or caused me to have some vacation be unpaid, I would leave no matter how happy I was otherwise.