> "Your child's multimillion dollar hospital bill for livesaving procedures isn't covered and you must pay" This one isn't really that terrifying for a few rea

> "Your child's multimillion dollar hospital bill for livesaving procedures isn't covered and you must pay" This one isn't really that terrifying for a few reasons. The bill is usually not available until the procedure is done, so your kid is ok. Either you can pay a $X million bill and it's not a huge deal, or much more likely, there's no way you can pay it, so it's more of a joke than a bill. Much more terrifying would be, we can fix your kid, but you'll need to pay $50,000 before we start. There's a lot of people who can come up with $50k, but it will be a major hardship, and it'll be really tough to get it quickly.