Sorry you took my post as me saying you are stupid. I guess that's just a misinterpretation on your part b/c i did not reply with that tone. However, i did reply with the intent to give you the doctors perspective. Opting not to convert a patient is very expensive, as is opting to convert. To keep a person on an anti-arrthymic and to provide anti-coagulation along with the monitoring and the follow-up work associated is quite an expense over the years.
Like i said, i'm glad you did your research and found an option that worked out for you. I don't necessarily agree with blaming the doctor or faulting Kaiser. Suppose they offer ablation to a patient and that patient had a serious life-long complication. In a situation where there is no definite wrong or right choice and it's a matter more of luck than of definitive medical science, it's tough for a doctor to make a proper call without upsetting a certain % of their patients.