Since when is it morally okay to make one sit, wait, suffer, and content with the possibility of life long medical isssues while an office worker somewhere decides my fate?
WC laws are state specific... some states provide for the treating physican to carry the preponderance of correctness for what ever medical treatment there may be necessary to ''cure and/or relieve from the effects of a industrial injury/illness'', others use a UR/Utilization Review process, and state defined treatment guides etc to control the cost of medical in a claim.

WC is a law, not a benefit. No one ever said there was any moral, or ethical consideration in providing benefits. Just what the law demands.
As a worker I was expected to show up on time and do a good job.
While I may agree with you about the inadequacy of the comp system, what you were expected to do is your job, as defined by the job description, including ''and other duties as assigned'', in return for a pre negotiated wage.

There is a huge difference in WC 'insurance' and your private health care coverage. One is a legal process, the other is not. Both systems are set up for the injured party to request another party to pay the bills, as such you will be likely to experience reluctance by the other party to do so. Both have appeals process...one you may need an attorney, the other you don't.