Let is PLEASE when we write all o these TRY to list the person's name.
The best was is to list the name, and then let is try to shame, or better threaten, the person, whether doctor, tax collector, wor whoever, into returning the money.
The BEST would be the same as the Athens Metro.... there it used to be 30 times (in 1995), now it is up to I think either 60 times, So if a doctor gets 100 euro, he sould have to return 6000 euro.If that is overdoing it, we could leave it as 30 times.