Organ donation

Watching Jonny Q. Let's say you're a patient on the waiting list for a new heart. That will cost you 120K, finally there's an organ donor who has a match! But you don't have 120K and Doc. refuse to give you treatment. So where does the money go? In some instanced Get the Donor's to choose who to give it to?

What happens to the non-rich patient waiting on the list?

I find it a huge hoax where neither the patient nor the donor financially benefit from it except the doctors that choose which patient should get it according to who is willing to pay it