20 years ago this week, I sustained a medical emergency that cost in excess of $1/4 million.
I appreciate your entire post. To put your situation into perspective, $250k means each person in Newark NJ could contribute $1 more in their taxes to your particular situation, and your entire bill could be paid with >$20k in change. One city. In one state. One time. If you extrapolate that to $1/paycheck every two weeks, you would be able to take care of 28 Tomorrows. And if there's one thing we should want to save, it's tomorrow.
Sad truth is, that $1/4M is not even a realistic figure. It should not have cost you that much and it would not cost you that much if the system wasn't one put in place to generate money waving hand over pounding fist over your dead body.
Plenty of people have been in that position and pretty much would rather die than imagine a life lived paying that back while making minimum wage and not being to get so much as a community college education. I know people like that firsthand.
We can say all we want that our costs are higher because our standards of medicine are higher, but if we continue to excuse the practices of our various industries (transportation, medical, telecommunications, financial, energy), we truly deserve to get screwed.
If we can excuse the medical and pharmaceutical industries for their gross negligence of public health, then we should all hail Exxon/Mobil and Aramco and Shell and the like as pillars of success and bringers of progress.
On the other hand, if we can point fingers at each other and get mad because we as taxpayers would have to front the bill for medical expenses, then shouldn't those of us who drive 30MPG 4cyl economy cars be mad at all the 12MPG SUV and oversized sedan drivers in the world who consume so much gas that oil companies "need" to drive up the price of a barrel to keep up with consumption?
We're quick to hate the corporate machine when their gross overestimation of their worth hits our wallet (energy industry), but we're also quick to hate our fellow man when the corporate machine puts a pricetag on the value of a human life (medical, insurance, and pharmaceutical industries).
We CHOOSE to drive gas-guzzling monsters, but complain about paying high gas prices. No one CHOOSES to get cancer, no baby CHOOSES to born addicted to drugs, no woman CHOOSES to be raped and impregnanted, but we say it's their choice to not have medical insurance?
It is their choice whether or not to see a doctor. Live in debt forever, or die. Some people, myself included, choose death. Some of us are fortunate enough to somehow make something better of their situation and get into a position to make a decent living.
And if anyone is foolish enough to believe that every one of us can be in a position to live fruitful lives with gainful employment, please show me this utopia you live in where jobs are always plentiful and money is readily available to give every person such a life, because we all need to move there.
One man's success must be another man's failure. Fact of "civilized" societies.