Ya, because the justice system is so efficient. While I wait two years for a settlement that might or might not cover all of my bills, I can fend off creditors

Ya, because the justice system is so efficient. While I wait two years for a settlement that might or might not cover all of my bills, I can fend off creditors while my FICO score goes down the drain (and that is even if there is somebody to sue). If you believe that medical bankruptcies are okay, then there is really nowhere for this discussion to go because I happen to think that is total hogwash.