One of the many reasons I would never move to the US is that in Europe I don't feel like a minor slip up or bad luck will send me into financial ruin. I'll need surgery on my shoulder soon and hopefully it should be fully covered by my health insurance, no added charges. It's an example that comes up again and again and I'm sure people in your position worry less about it, but it's something I keep seeing play a role with my acquaintances and online