My Mum and Dad got no capital release - basically sold their house and paid it all to the village.
Fine by me - I wanted them to do it as it was the right thing to do (and I don't expect or need an inheritance).
So Mum pays fees etc. Your use case is not, by any means, universal.
I brought Ryman many years ago (and the others since) because I could see that farming the elderly would be very profitable.
I may not agree totally with the business model but have done very well out of it.
If you can't beat them, join them!