Our NHS is free at the point of use - I don't think changing that is the answer. I have known people in the US and Canada get into years of debt through accidents or illnesses that here we would be able to conentrate on simply recovering from, and I'm in no hurry to change that system. The stubbed toe/cut finger crew would probably be on benefits anyway or so deep in debt they would never pay, so it would not be effective and would only punish people like me if we needed medical treatment we have already paid for via our taxes. As a self-employed person who gets effectively zero sick pay, I would hesitate to call an ambulance at all if it committed me to a charge - and that is just plain wrong.