Sigh. I'm not asking for personal responsibility from the unborn. I don't know what you gain from twisting things that way. And I'm not particularly inclined to

Sigh. I'm not asking for personal responsibility from the unborn. I don't know what you gain from twisting things that way. And I'm not particularly inclined to discuss your private medical matters. Those are yours. But the fact remains that there is an entire world outside of your circumstances, where people undergo complicated birth and medical procedures, without going into lifelong debt. Your circumstances are the outlier, because you have to seek care within a scam system. Could you pause to think why healthcare providers let insurance "negotiate" down the hospital bills of their patients? Why in the world would this be possible? If the hospital is actually charging anywhere close to what it costs for them to provide the services with some profits, there would be little room for negotiation. Especially considering that each patient is unique. So why would it be cheaper for an insurance company than for the actual patient? Medical care is not a whole-sale order. The only explanation is because it's a scam. The only real medical insurance is healthy eating and regular exercise. A medical insurance that you pay for is more an insurance against getting scammed.