I suppose the simple answer would be that the banks already have a huge electronic system for billing etc., whereas there isn’t really a network of doctors with a unified billing system. Also think of the huge privacy implications personally I wouldn’t like all the information on when and where I went to the doctor/dentist automatically available to people without my permission.
So then you’re in a situation where people would need to request have entitlements automatically applied and then you’re in a situation where people have to do something themselves and the laziness factor comes into play again.
But in fairness maybe I’m missing something completely about how it could be easier! I’m gonna try and contact FG and ask them how they would make it easier since they accuse the Government of not making it easier.
I’ll report back!