Close, but I’m not advocating against helping, just commenting on this particular approach. Also in your example, homeless needing shelter are currently at risk of environmental exposure whereas in this stage of medical debt, the damage has already been done (debt is discounted due to time elapsed since its initial sale). Buying medical debt offers relief by way of positive disposition but also rewards someone who bought and sold that debt along the way. If you’re voting your dollars to a system that profits off misfortune, you are encouraging that system to exist.