> s it right to blame medical bills rather than blame bad luck for your misfortune and/or lack of a job or income to buy healthcare to cover those medical bills
I had health insurance and a job. I had just transitioned from a job paying ~$30,000 to one paying $100,000. Perhaps my only mistake was waiting 10 years to move to a software engineering job despite hobby programming my entire life, and loving programming (my prior industry originally paid ~$50,000/year but automation, globalization, and consolidation had whitled the average salary down over 10 years)[1].
And you're stunningly naive to think that having health insurance and a job will save you from financial catastrophe if you face severe illness (and I was within 20 pounds of my ideal weight and in relatively good shape). Perhaps you can come out OK (not great) if you have a large nest egg and really good long-term care insurance (I didn't, having recently worked a $30,000/yr job with a family). If you have those, congrats: you're in the top ~5% of Americans.
But sure, let's blame "bad luck" instead of an obviously malfunctioning system. It's not necessarily capitalism. If you're not poor, it appears that medical costs are reasonable in countries with a functioning capitalist medical system (like India, Thailand, Mexico, etc). It's our weird hybrid system, where there's no competition and no downward price pressure on providers. And hospitals continue to consolidate, so prices will only go up.
> Also (and this is the larger point) if you had taken a traditional and less risky job at a large company (tech or otherwise)
You know nothing of my situation. Building that company, and programming that service (which I did while holding down a job in my old industry), was the exact thing that allowed me to flee a dying $30,000/year profession and transition into a bigcorp as a software developer making $100,000/year, a little over 1 year before my first major illness. I had tried to transition into tech once before, and was turned down for lack of experience (and to be fair, it was also during the great recession).
1. And I can tell you're the kind of person who would interject here, "maybe you were just a bad worker, and that's why your salary went down instead of up". Well, my salary has gone the other way (up, significantly) since I entered tech, even as I've struggled with significant chronic health issues. So let me stop you there.