In practice, "catastrophic" here refers to cost, not medical severity. That's a symptom of another problem, but it's true. A broken knee in a car accident can

In practice, "catastrophic" here refers to cost, not medical severity. That's a symptom of another problem, but it's true. A broken knee in a car accident can cost $100k or more, which could be financially devastating for far longer than it takes for a full medical recovery.