I am lauching my business, I need more money NOW. Healthcare abroads cover everything (eyes, teeth...) and is much cheaper than a deductible even when paying everything cash. And no weird haggling with the insurance or provider to see what is covered, what is not, what is the copay, etc.

This may not cover edge cases, but for most of my personal financial decisions, I follow the example set by governments around the world: I spend in the present without caring too much about future, betting on growth of my resources.

In other words, if I do have a brain hemorrhage, the last of my worries will be bankrupcy.

Why should I bother? If I fail my business, I will be bankrupt anyway.