I have seen that with an acquaintance. She had insurance but there was a never ending string of things that cost $20k here, $10k there until she was wiped out a

I have seen that with an acquaintance. She had insurance but there was a never ending string of things that cost $20k here, $10k there until she was wiped out and had to file for bankruptcy. In the US even if you have insurance it's still a gamble whether you'll get wiped out or not.