Of course money drives the train. How could it not? Your proposal just isn't practical in the private sector. Current HEMS airframes can barely lift the load they have now, let alone add another 200lb pilot. So, larger airframes would be required. The prices charged for existing programs are unaffordable to most Americans, how much more will larger aircraft and additional crewmembers cost?
It's just not doable until the gov't takes over and makes it all free. Then we can all ride around in Blackhawks, drinkin' that free bubble-up, and eatin' that rainbow stew!