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I think the argument people are making is that it's a lot less of an edge case than people think.

Yes. It seems like never having a serious health problem in your life would be the "edge case," at least if you live to be elderly.

With life expectancy getting longer and longer I think this is increasingly the case.

The last statistics I saw indicated that more than half of all US bankruptcies were due to high medical bills and even having "good" insurance by American standards was no guarantee of protection. That hardly constitutes an edge case.

Maybe edge case wasn't the right wording. What I meant was that in a discussion about whether x leads to y, saying "z could happen to you though" isn't exactly on the point.

Last I checked, it's significantly more likely to become poor through no fault of one's own than to become rich through no fault of one's own.