Why are you bringing this up? This derails the discussion. The parent's point was that, unlike in Europe, when someone is injured by no fault of their own, the

Why are you bringing this up? This derails the discussion. The parent's point was that, unlike in Europe, when someone is injured by no fault of their own, the expected way for them to pay for the (very high) medical costs is to sue the offending party. That's the excuse for not offering universal healthcare. Incidentally, it also explains why the doctors need insurance (because malpractice does happen sometimes, and if your health is damaged by it, you won't get a nickel of support unless you sue the offending party - i.e. the doctor). That wouldn't be such an issue if we had universal healthcare and a support net for people who can't work.