I'm not arguing that there aren't people who are technically (but not practically) capable of paying their hospital bills and don't, and for the most part I don

I'm not arguing that there aren't people who are technically (but not practically) capable of paying their hospital bills and don't, and for the most part I don't disagree w/ any of the above (though medical debt has more detrimental effects than just being "nagged", especially given there's a documented effect of debt judgements creating a spiral of entanglements w/ the criminal justice system [1]). [1]: https://www.aclu.org/issues/smart-justice/mass-incarceration/criminalization-private-debt https://www.aclu.org/issues/smart-justice/mass-incarceration...