Nor is it universal: I can count at least one extended family member who is not insured and is one accident away from bankruptcy - not unlike some people in the

Nor is it universal: I can count at least one extended family member who is not insured and is one accident away from bankruptcy - not unlike some people in the US - except that personal bankruptcy is exceedingly difficult process in their EU country, and it would be quite doable (if not straightforward) to go to prison for the debt.