> A reasonable person knowing that they would die without treatment would surely take the enormous debt. If there's nobody depending on you? Yes, you're right.

> A reasonable person knowing that they would die without treatment would surely take the enormous debt. If there's nobody depending on you? Yes, you're right. But suppose your family is depending on you. If you die, they get a decent life insurance payment. If you live but rack up crippling debt, maybe they lose the house and the cars and now nobody can pay for the kids' education. Choice gets a little murkier then.