It is about the money, but in this case it's because biologics are obscenely expensive. As an example I had to spend a year messing around with prednisone and different doses of azathioprine before I was allowed to try any biologic therapy. I really lost a year of my life from that. Going on a biologic was like night and day compared with any treatment I'd been on before. I believe it's the same system in the UK and other European countries. And that's not because of insurance companies making demands, but national health services having a limited budget leading to enforced protocols.
I think this is one of the reasons that we see less posting on this forum, biologicals are so affective at treating IBDs compared to previous medications that were available to us.
Prior to biologicals I had hospital stays that were billed over $750,000 each. So biologicals can offset costs elsewhere if it keeps us out of the hospital.