Why would they exclude elderly from their study? It seems odd to exclude a population with higher rates of health problems. Is there assumption that bankruptcy only matters to those who would otherwise be working?
That coupled with private equity's involvement in all late / end of life care ensures no one dies with a penny to their name to pass down.
It still paints a picture of an out of control, over-financialized system that only gets more expensive the more money is put into it.