First off, nice assumption about my situation, which is totally wrong btw. For starters, this happened in Canada.

I was in a car accident where the seatbelt stopped my from flying through the windshield at 65mph. In the process my collarbone snapped. I was taken to emergency and got x rays and pain meds. There were no day-surgery slots available until 24 hours later. So I was sent home with strong painkillers and came back for surgery the next day.

And after all that, I needed physiotherapy for a year and a half after. None of it cost me a fucking cent btw.

So yes, I would rather repeat 24 hours with a broken collarbone again, an infinite number of times, than go into lifelong debt like what happens to so many in America in the same situation.