FYI, there are good arguments that the 2/3 number is significantly misleading. For instance, https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/ https://www.

FYI, there are good arguments that the 2/3 number is significantly misleading. For instance, https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5865642/ “ However, the magnitude of the bankruptcy effect is much smaller than previously thought: we estimate that hospitalizations cause only 4% of personal bankruptcies among nonelderly U.S. adults, which is an order of magnitude smaller than the previous estimates described above.”