Even if $1500 a month is an over-estimate for insurance premiums, that last paragraph says you have a little over 800 a month for all your car/truck notes, your vehicles’ insurance, clothes, the super cheap Texas electricity grid bill - AND your insurance co-pays - AND any life insurance premiums, school tuition and other costs if you have kids. Even folks with means can be knocked down by a medical event.
After Katrina, my firm dabbled in bankruptcy law to keep the doors open. The vast majority of the clients were not irresponsible people buying bling and cars they can’t afford, but were people thrown into massive debt by medical bills because they had no insurance (or absolutely shitty insurance) that failed to cover a large part of their medical bills for a costly medical event. Most folks put it all on credit cards or home equity loans until they ran out of credit and lost the ability to pay their debts. If a full or half breadwinner was the sick one, then they had a double whammy of a loss of income.
A lack of relatively free healthcare in our country is a huge factor that hurts business and employees and makes us less efficient. The cost to workers can lead to unnecessarily worsened health conditions, can result in a delay or cessation of employment due to the medical condition, lead todivorce, the loss of housing, etc.
But those people should’ve worked harder and made more money and not imposed on everybody with the socialisms.