Your numbers are way off. Most people who file bankruptcy have some medical debt but medical debt is seldom the primary cause of bankruptcy. When people suffer a loss of income or get overextended then they tend to prioritize their housing and car bills out of necessity, and quit paying medical bills.

The US healthcare financing system is a disaster and needs reform. But if you look deeper into the alarmist reports about medical bankruptcies you'll find that they're lying with statistics to push a political narrative.