I need help in summarizing the passage below in a paragraph form and identify and explain the fallacies demonstrated in the passage.

Why do I have to go to my family physician to determine whether or not I need to see a specialist? I pay for the healthcare system just like everyone else, so I should be able to see whatever doctor I want, when I want.

Family physicians are only experts in general medicine, not the specialties they refer me to. How could they know which specialist I need to see? My friend Larry's family physician didn't refer him to a cardiologist before his heart attack, and he died. This referral system is costing lives.

I think the family physicians are just lining their pockets with additional appointments for referrals. I think we all know what kind of money they make.