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this post was submitted on 28 Oct 2023
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No Stupid Questions
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No such thing. Ask away!
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Actually it's easier to pay hospital bills when you're poor. You either go to a non-profit hospital and ask for charity, where they'll wipe your bill clean if you make too little, or you just don't pay the bill. What's bankruptcy if you're too poor to have credit anyways?
You have never been poor have you? I can guarantee you that it is not that easy.
Having assets and credit are too very different things. And forcing some one in to poor credit can affect them for decades. Making it difficult or impossible to do simple things like have a bank or finding a place to rent. That is why it is called a cycle of poverty. Once you get the label of poor. It can be very hard to remove that label even if you are hardworking and have a stable job. Live become more expensive making it even harder to get out of poverty.
Plus if you think bankruptcy is an easy or quick process. I hope you never have to go through it.
I have been poor if you consider making 15k a year for five years and having to live with three other people to make ends meet poor. Also, I was being somewhat facetious.
what about a midde class person? someone that makes enough to be able to pay 20k, but meaning that would be their savings
The actual middle class generally has a job that gives health insurance which will pay for it almost entirely. If you don't, you're probably not middle class unfortunately
While it's a fact that the middle class is shrinking, I think you're miscalibrated.
https://www.npr.org/templates/story/story.php?storyId=4631736
https://abcnews.go.com/Health/middle-class-americans-crushed-rising-health-insurance-costs/story?id=67131097
https://www.forbes.com/sites/debgordon/2022/03/30/with-inflation-rising-medical-costs-hurt-the-middle-class-most-new-report-shows/
You're describing what people used to think "middle class" meant. These days, we all know that health insurance doesn't cover nearly as much as you want it to. Costs have skyrocketed in the last few years, let alone decades.