Firstly hi im from South Africa.
I totally agree with you, but i have had a c-section when they removed my stilborn son. But i also wanted to give natural birth but not to a 54cm 2.8kg baby thou.
Talking from an SA point of view alot of the women don't want to go thru 10-40hours of labour, and i was in labour for 14hours before i went for my c-section no frikking joke don't want that pain again, i personally will have a c-section when i conceive again due to me already having a cut from hip to hip. But you are right the medical aids know now that some ladies take the easy way out.
Just my opinion thou
