You're trying to make this article more of a social policy commentary than it is. Having a "life-long expensive disease" is like the inverse of Rule #12, where

You're trying to make this article more of a social policy commentary than it is. Having a "life-long expensive disease" is like the inverse of Rule #12, where you've already lost the lottery. Now, this wouldn't even be a problem in Canada, but it'd be pretty moot to put in a rule about that. The point is, this article isn't "these are the ingredients for being rich", it's "What reasonable guidelines can you follow to maintain any wealth that you manage to accrue?" The context was "rich people went bankrupt, whaaaaat?" and the article is "well, they must have violated one or more of the following rules in a big way!"