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Germany. It has gotten worse over the last decade regarding waiting times but for regular appointments it might mean waiting 1 week to almost a year. Less, depending on your urgency or precondition. Usually it's still OK.
Regarding the finances it's still great in international comparison. I was resuscitated and taking quite a lot of medicine and am not broke but you still (might) pay a (very) small part on hospital stay and regular medication. Compared to.the full price on both that is neglegible though.
AMA!
In short: you go to the doctor based on medical requirement and not Financials. You call the ambulance whenever urgency is needed.