I do think money is part of it but I read a piece from a doctor in rhe NHS that was written a couple of months ago. Your point about school made me think of something she had written in her piece.

It is typically those of us most conditioned by the expectations of society, utterly obedient and deferent to authority, who gain entry to medicine. One can see the path: we were good, compliant children and then good, compliant students. Now we are good, compliant doctors. I’m beginning to understand that goodness is measured in a different way, and obedience is not a virtue.

The link on the Milgram experiments reinforces this if you aren't familiar with them. (She doesn't link it,, but IMHO,, the Zimbardo prison study does too - Zimbardo himself did not realize until later how much he had slipped into the role of 'warden' rather than objective researcher and just how easy that was.)

https://www.conservativewoman.co.uk/why-have-we-doctors-been-silent/