Does no health insurance influence a doctors decision?

I broke my left clavicle last week. It's in four or five pieces and one large piece is rotated 90 degrees. After doing some homework and talking with a few doctors; I've learned the 98 percent of clavicle fracture are left to fix themselves because of the risk of the surgery. (hard for me to type with one hand). Long story short: I don't qualify for health care because of some minor preexisting conditions. But I have the means to pay for the surgery ($25,000). I can't help but wonder if my doctor feels as if he might not get paid and this is why he advised against the procedure. Do doctors think this way?