You literally just described American healthcare. I don’t know where people get this idea that you don’t have to wait to see a doctor here. I’ve had to book doctors appointments months out. And specialists can be 6+ months of waiting.
I think the Americans that say otherwise actually don’t try to go to the doctor on a regular basis. And if you press them on why, they’ll admit it is a fucking hassle and worried about the bill if they need to actually get something done.
Like one of the other replies mentioned, when you get closer to retirement, more of the money should get shifted from stocks to more stable but lower return investments like bonds and such that are not affected by a stock market crash. Usually you can set a retirement age in the management portal of your 401k and the management company in charge of your 401k uses it as a guide to move the money into the more stable investments.