The whole ecosystem has evolved to loot people when they are at their most vulnerable moment. There is no two ways about it. It goes unchecked because insurance

The whole ecosystem has evolved to loot people when they are at their most vulnerable moment. There is no two ways about it. It goes unchecked because insurance companies cover a bulk of the cost and so most ordinary people don't see it. The poor and uninsured get the bad end of the stick but no one cares about them. Just a pathetic state of affairs.