100 million Americans owing $220 billion in medical debt is an average of $2,200 per person. That's too much, but that's not bankruptcy levels of debt. 100 million Americans owe $1.6 trillion in auto loan debt.

530,000 medical bankruptcies per year, in a country of 350 million. That number is too high, but the average American does not go through this.

Please understand the difference between saying "everything is great" and "it's not great, but it's not as bad as you say it is." I'm saying the latter, in response to comments incorrectly stating that the average American experience is that major medical issues result in bankruptcy.