To some degree yes everyones life is ruined. The people with nothing still get some medical care, it's the working poor who make too much to get welfare but too

To some degree yes everyones life is ruined. The people with nothing still get some medical care, it's the working poor who make too much to get welfare but too little to cover expenses after insurance who are really screwed. In the US only the wealthy ( millionaires ) are safe from medical bankruptcy and even they can get taken down by some issues.