well that describes the average American with their small retirement account, pocket change and fantasy that they will receive healthcare when they need it. More than 20 years ago I worked for a hospital that foreclosed on one family after another to pay for the medical bills of a sick family member. Of course, as long as it doesn’t happen to you, who cares…. but it will happen to you or a family member… then you will care – but no one else will -- and you will live the nightmare you have let others to live.