I'm curious, lets say person A needs a complex surgery, gets a bill for 200k usd, because A uses Pocketero, A only pays 100k, do people actually pay that sum at once, or they just try to get a payment plan, etc...? Because for a low income family(the ones that can't afford insurance) a payment plan for 100k or 200k doesn't really make a difference (is a lot), and most low income family would just declare bankruptcy (they usually have low credit score anyway and are not in the housing market, or anything like that). What's is the point of paying for a service that would only get me a discount of a huge expense, instead of "guaranteeing" that I won't owe hundreds of thousands to a hospital(with an insurance)?