Actually we have “right to try” laws for the scenario I described.

But the FDA could use some serious reform. Under the system we have, an FDA approval lumps together the determinations of whether a drugs is safe, effective and worth paying for. A more libertarian system would let people spend their own money on drugs that are safe even if the FDA’s particular research didn’t find them effective. And it wouldn’t waste tax payer money on drugs that are effective but exorbitantly expensive relative to their minimal effectiveness. But if a wealthy person wants to spend their own money, thereby subsidizing pharmaceuticals for the rest of us, that’s great in my opinion.