I walk around fully aware I am one slip and fall away from inescapable, permanent financial ruin. I have insurance, but my $8,000 deductible means if I break my

I walk around fully aware I am one slip and fall away from inescapable, permanent financial ruin. I have insurance, but my $8,000 deductible means if I break my leg falling down a flight of stairs, I'll be in bankruptcy court once the cast comes off.