A good friend's brother was badly hurt. Insurance is fighting paying for things. My friend has paid about $40k so far, and he was laid off two weeks ago. Even if you earn $150k in the valley (which btw is really only $95-ish k after taxes), that's a lot of money. The dirty secret to health care in the united states is the good providers can not serve you if you don't have the right insurance.
My partner worked in an industry that laid off 50% of their employees. It took her 8 years to get close to her old salary. No matter what anyone says, the reality is very few of us are truly prepared to have our jobs/industry vanish.
My brother who doesn't earn much money had significant health bills for one of his kids. I hadn't planned to spend that $10-$15k.
My idiot nephew road a dirt bike on a road (against all his parents' rules) when he was 15 and didn't have a license. He didn't look both ways, there was a truck coming, and he was hit by the truck. His parents had to buy the guy a new truck because my nephew wasn't licensed to drive, and pay the deductibles for several surgeries.