>At several thousand per month, risking bankruptcy is actually the most prudent thing to do for many people. They can’t take your house

“They can’t take your house” is not only totally false, it betrays a property owner’s perspective that tens of millions of patients at risk of medical destitution do not share. This kind of hand-waving is self-absorbed, clueless and destructive.

Recent bankruptcy actually makes it easier to get credit cards than the typical pre-bankruptcy credit history. You're barred from filing bankruptcy again, so credit card companies are surprisingly willing to lend you money (since if you don't pay them back, they can sue you and garnish your wages and you have little recourse).

Something like 62% of bankruptcies are due to medical bills.