The only case that this makes sense for is the case of people borrowing money to access medical services (as per the original article). Though people shouldn't

The only case that this makes sense for is the case of people borrowing money to access medical services (as per the original article). Though people shouldn't have to get into debt that they have no hope of repaying to access medical services. That's a problem with the health system, not something that fall under the debt market. Ultimately it seems that if you don't pay for health services through taxes, then you pay for it through other means (e.g. paying higher interest rates to the banks when you take out a loan to buy your house)