The big problem is that 1) the potential cost is essentially unbounded and can end up being ruinous even for someone relatively well-to-do 2) there is an unfort

The big problem is that 1) the potential cost is essentially unbounded and can end up being ruinous even for someone relatively well-to-do 2) there is an unfortunately high likelihood of losing the job and insurance coming on the heels of getting a diagnosis where you really need care.