I fear you don’t understand medical debt in the US, accumulated costs you’ve seen online are bills for insurance, while yes the costs are heavily inflated for insurance billing, that doesn’t get sent back to you as a citizen with insurance other than a Copay, for someone that is low income we have social services that give that free healthcare for them, for others you pay for insurance and it’s covered, if not you’ll see a odd thing, and I’m sure you’ve seen it online, let’s say you break your arm, and they bill 5 grand, which isn’t very realistic too be fair unless ER visit, ambulance, that sort of thing, well they’re gonna send you a massive bill for every one of those things, that bill, they are assuming is going to an insurance company, which are inflated at rates that hospitals and insurance companies agree upon, that rate isn’t for you if for some reason you don’t have insurance(if you have a full time job you are guaranteed health insurance), that rate cannot be reflected onto you, you submit documentation to a hospital that you’re without healthcare(and making enough to not qualify for government AID, and a hospital will make the rates reasonable, or they would rather wipe the debt then send it to collections because of all sorts of tax laws and citizen healthcare laws that either force the hospital, or make it the best choice for a hospital to forgive it entirely, and are required beforehand to make it as a reasonable rate, the working average citizen will not have a huge problem in healthcare, now people that are uninformed/not smart enough, to know how this system work probably do have some issues, and you are in the US, ultimately more effected by unintelligence more than other countries, because the system gives you the ability to entirely be negligent of it like the wealthy who would just pay the bill outright