I was looking for a new dentist when mine retired and asked him to tell me about a couple near my home that were on my insurance plan.
About one of them, he said "His wife wants to live nice, so they're building a new home and he just bought a new truck. They're up to their ears in debt and just taking on more. I wouldn't go there, I'd be afraid they would lean towards doing work that I don't really need done."