[PaulDavisThe1st]

> There is always a charge at the point of service and a bill is generated.

I was thinking more broadly than just the US or Canada. In Scotland, for example, there is literally no charge at the point of service.

[haldujai]

Okay... what does Scotland have to do with anything?

The discussion, and the part of my comment you quoted, is specifically about Canada and the US. So I'm not sure what you're even arguing or why.