And that's fine. Your NHS doesn't appeal to most of us, either. We have health insurance here that usually covers most health problems. In the end, it's a person's own fault for not taking precautions against the possibility of expensive medical procedures. Also, my family was one of those families that ended up in debt. That's how life is sometimes. Frankly, I prefer that to having a paramedic in a /car/ respond first and then deciding whether or not to transport. If you have a serious health issue and decide against calling for an ambulance due to costs, you have priority issues.