Then the government should require you to post a bond for a reasonable amount to cover that eventuality. I don't think most people have over 100k sitting around

Then the government should require you to post a bond for a reasonable amount to cover that eventuality. I don't think most people have over 100k sitting around. Many young people think it isn't a big deal, they'll just pay if something happens. Except when it does and now they owe over 100k in bills. Oh, and at the same time they are sick or injured. Now they can't pay, so everyone else does. Just because _you_ can or can't do something doesn't mean that on aggregate people can or can't. Society must use the situation as a whole. On the whole, many people can't pay and the costs have increased for everyone else.