You’ll be broke before you even get there if you ever need an ambulance or god forbid fucking LifeFlight.
Although with that said, the one ambulance ride I’ve ever taken (that I don’t even fuckin remember) didn’t cost me a dime!… because I had already spent thousands and thousands to hit insurance max out of pocket.
A lot of people don’t have good insurance (or any at all) and that’s what’s really fucked up. The system can be an abusive one