That sounds about right, Vetra, if I understand the original post correctly.
I've seen people walk in to FullerMed to get the freebie emergency "let's stop that bleeding" treatment and then, at "barely clinging to life" status, calmly refuse healing that would cost money, claiming that they see no point in paying for treatment since their wounds will heal just fine on their own. It's a risk if they find themselves in another sticky situation, sure, but it's typically a manageable risk, dealt with by moving to a safe location or avoiding dangerous areas, as the original poster mentioned.
On the flipside, I also see people who want to pay for treatment and who seek healing because they have "vicious cuts," but because their HP-equivalent has already regenerated (they didn't make it to the clinic in a timely fashion), there's nothing I can do for them codewise. In these cases, I still RP some minor treatment, but I feel guilty about charging much when there's no codewise difference before and after "treatment" - and I have been told several times to "go by what the code says."
I am wondering if, in addition (or as an alternative) to the original poster's suggestion, wounds like "vicious cuts" could be appreciably tied to some form of treatment, so that they don't just magically disappear within a day or two on their own without at least one visit to a health professional or the use of a medpak or something. The heal command might be used even when HP has regenerated, in order to improve or normalize the rate of wound healing. In cases where people don't have their wounds checked out (regardless of HP status), perhaps their risk of infection might go up, or it might take longer for their wounds to heal? This way, there would still be a good reason to see a doctor even if your HP-equivalent has already regenerated or your bleeding has been stopped.
Ultimately, I'm not sure whether these are serious problems or just annoyances to someone in my position - I've only been doing the doctor/medic thing for about two months now. But there's my two cents, if it helps.