> Only 4% of US bankruptcies are because of medical bills

I'm going to hazard a semi-informed guess (I grew up in Switzerland, live in the US), that 0% of Swiss bankruptcies are because of medicals bills.

And https://www.amjmed.com/article/S0002-93430900525-7/fulltext disagrees with you, claiming 62% of US bankruptcies are due to medical bills... (other links report somewhat lower figures, e.g., https://www.self.inc/info/medical-debt-bankruptcies-statisti..., but definitely nothing as low as 4%).